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.

  • 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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

14.99% - 23.74% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

0% intro APR on Purchases for 15 months

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

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

  • 5% rewards on rotating categories

  • Access to Chase’s Ultimate Rewards® site to earn more cash back

Cons
  • If you value simplicity, a flat-rate cash-back card may be better

  • A foreign transaction fee

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℠.