Chase Freedom Flex℠
on Chase's website
Chase Freedom Flex℠
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
| Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APR14.99%-23.74% Variable APR | Regular APR15.99%-24.99% Variable APR | Regular APRN/A |
Intro APR0% intro APR for 15 months on purchases and balance transfers | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
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℠.
