Chase Freedom Flex℠

Chase Freedom Flex℠

on Chase's website

Chase Freedom Flex℠

Chase Freedom Flex℠

Chase Freedom Flex℠

on Chase's website

Loading

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 up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!

  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants 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.

  • 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

  • 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

Regular APR

14.99% - 23.74% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

12.99% - 22.99% Variable APR

Intro APR

0% intro APR on Purchases for 15 months

Intro APR

N/A

Intro APR

0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Not sure which card is best for you?

Take a simple quiz to find out

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. For more information, see NerdWallet’s full review of the Chase Freedom Flex℠.