Card reviewChase
Updated Apr 18, 2026 · research
Chase Freedom Flex®
ChaseChase Ultimate RewardsEditorially reviewed

Chase Freedom Flex®

Earn 5% cash back on rotating quarterly categories (up to $1,500 each quarter when activated), 5% on Chase Travel purchases, 3% on dining and drugstores, and 1% on all other purchases — with no annual fee.

Mid TierPersonal
Visa
Credit profile: good
$0
Annual fee
5% back chase travel (booked through chase ultimate rewards)
Top rate
3%
Foreign fee
N/A
Rating

Current Welcome Offer

200 cashback

$200 estimated value

Spend $500 in 90 days

Verifiedproduct page

Card Offers

public

200 cashback

Verified

$200 estimated value

Spend $500 in 90 days

product page

Earning Rates

Chase Travel (booked through Chase Ultimate Rewards)
5%cash back

Purchases made through Chase Ultimate Rewards travel portal

Rotating quarterly bonus categories (activated, up to $1,500/quarter)
5%cash back

Requires quarterly activation; 5% applies on up to $1,500 in combined purchases each quarter

Dining at restaurants (including takeout and eligible delivery services)
3%cash back
Drugstores
3%cash back
All other purchases
1%cash back

Fees

Fee TypeAmount
Annual Fee$0
Foreign Transaction Fee3%

APR Information

Purchase APR
19.99% - 28.74%0% intro APR for 15 months
Balance Transfer APR
19.99% - 28.74%0% intro APR for 15 months
Cash Advance APR
29.99%
Penalty APR
29.99%May apply if you pay late

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

6 benefits (1 strong or better)

Travel Insurance

Purchase Protection

Statement Credits

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

About This Card

The Chase Freedom Flex® is a no-annual-fee cash back credit card that rewards cardholders with 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, plus 5% on Chase Travel purchases through Chase Ultimate Rewards®, 3% on dining at restaurants (including takeout and eligible delivery services) and at drugstores, and 1% on all other purchases. New cardmembers can earn a welcome bonus after meeting a minimum spend requirement. The card also features a 0% intro APR on purchases and balance transfers for 15 months, after which a variable APR applies. Additional benefits include cell phone protection, purchase protection, extended warranty protection, trip cancellation/interruption insurance, and access to Mastercard World Elite benefits.

Ready to Decide?

Apply for the Chase Freedom Flex®

200 cashback, worth about $200 estimated value, with no annual fee.

Spend $500 in 90 days

Reward Program

Chase Ultimate Rewards

Earns Cash Back

Learn more

Card Categories

Cash BackNo Annual FeeBalance Transfer0 Intro AprVisa

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 5 of 6 benefits rated high confidence
  • 1 of 1 offer verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

Found an error? Report it here.