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.
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
No annual fee.
0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
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. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
Intro APR
0% intro APR on Purchases for 15 months
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
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 intro for the first year, then $95 |
Regular APR14.99% - 23.74% Variable APR | Regular APR15.99% - 22.99% Variable APR | |
Intro APR0% intro APR on Purchases for 15 months | Intro APRN/A | Intro APR0% intro APR on Purchases for 12 months |
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. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. For more information, see NerdWallet’s full review of the Chase Freedom Flex℠.
