Chase Freedom Flex℠

Chase Freedom Flex℠

on Chase's website

Chase Freedom Flex℠

Chase Freedom Flex℠

Chase Freedom Flex℠

on Chase's website

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Card details

  • 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 14.99% - 23.74%.

  • 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.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1%-5%

  • Bonus offer

    Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • Intro APR

    0% intro APR for 15 months on purchases and balance transfers

  • Ongoing APR

    APR: 14.99%-23.74% Variable APR

    Cash Advance APR: 24.99%, Variable

    Penalty APR: 29.99%, Variable

  • Balance transfer fee

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

  • Foreign transaction fee

    3% of each transaction in U.S. dollars

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn more
Annual fee

$0

Annual fee

$99

Annual fee

$95

Regular APR

14.99%-23.74% Variable APR

Regular APR

15.99%-24.99% Variable APR

Regular APR

16.49%-23.49% Variable APR

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Erin Hurd

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • New cardholder bonus offer

  • Bonus categories

  • Cash rewards

  • Intro APR period

Cons
  • Requires good/excellent credit

  • Complicated rewards

Don’t let its $0 annual fee fool you into thinking the Chase Freedom Flex℠ is weak on rewards. This surprisingly strong card combines the best of both worlds: fixed bonus categories that range as high as 5% cash back, on top of 5% cash-back bonus categories that change each quarter.

Even if tracking rotating bonus categories isn’t your thing, the Chase Freedom Flex℠ still packs plenty of punch when you use it for dining and drugstore purchases, where you’ll earn 3% cash back. Plus, use it to book travel directly through Chase and you’ll earn 5% cash back. Plus, earn 1% back on all other purchases.

New cardholders can earn a robust bonus worth up to $800: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. For more information, see NerdWallet’s full review of the Chase Freedom Flex℠.