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Chase Freedom Flex℠ Credit Card

Chase credit cards are known for great rewards — including both sign-up bonuses and generous rates on spending — and a fantastic points program. Chase issues some of the best co-branded airline, hotel and store credit cards on the market. Its own Chase-branded products, described here, include outstanding travel, cash-back and small-business cards.

Chase Freedom Flex

on Chase's website

5.0

NerdWallet rating 

on Chase's website

Annual Fee

$0

Rewards Rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

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
  • 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.
  • See if you qualify for a better offer with Chase:

Annual Fee

$0

Rewards Rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

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
  • 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.
  • See if you qualify for a better offer with Chase:

WHY WE LIKE IT?

Chase Freedom Flex℠

The Chase Freedom Flex℠ is a good addition for just about any Chase Ultimate Rewards® collector. It offers a $0 annual fee, and the large selection of high-earning bonus categories means this card offers tons of earning potential.

Where the Chase Freedom Flex℠ really shines is in its many ways to earn bonus cash back, such as 5% cash back on travel purchased through the Chase travel portal, 5% cash back on all grocery store purchases (excluding groceries purchased at Target or Walmart) for up to the first $12,000 you spend in a calendar year (this perk is not available for new customers). Plus, you can earn 5% cash back on Lyft rides through March 2022, and 3% back for dining out, takeout, qualifying delivery services and drugstore purchases. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

With a surprising number of ways to earn bonus cash back through everyday spending and quarterly rotating bonus categories, the Chase Freedom Flex℠ is a potential game-changer for Chase Ultimate Rewards® collectors.

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