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Chase Freedom Flex℠

Chase Freedom Flex℠

 

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 59 Offer Ratings
Over the Past 60 Days!

(59) Over the Past 60 Days!

 

Rated 4.5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 59 Offer Ratings
Over the Past 60 Days!

(59) Over the Past 60 Days!

Great For

Card Details

Regular Purchase APR

14.99% - 23.74% Variable

Intro Purchase APR

0% Intro APR on Purchases for 15 months

Intro BT APR

0% Intro APR on Balance Transfers for 15 months

Annual Fee

$0

Credit Needed

Excellent/Good

Card Brand

Mastercard®

Highlights
  • Click "APPLY NOW" to apply online
  • 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 FlexSM 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.
Card Fees
  • Balance Transfer Fee

    Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.

  • Penalty APR

    Up to 29.99%

  • Foreign Transaction Fee

    3% of each transaction in U.S. dollars

  • Cash Advance Fee

    Either $10 or 5% of the amount of each transaction, whichever is greater.

Ongoing Information
  • Rewards Rate

    5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

  • Annual Fee

    $0

Expert Reviews

  • 4.5 Regular APR
  • 4.0 Intro APR
  • 4.0 Fees
  • 5.0 Benefits
  • 4.5/5 Overall Rating

Editorial Disclaimer: This content is not provided by the bank advertiser. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer's Affiliate Program.

From the CompareCards.com Editorial Team

Chase rolled out the new Chase Freedom Flex℠ credit card in September 2020 and it’s pretty enticing. Not only does the card offer 5% cash back in rotating categories every quarter, it also boasts an elevated rewards rate for travel instead of the standard 1% on all other purchases not included in the rotating spending categories. Plus, it’s a World Elite Mastercard, which comes with cellphone protection, free ShopRunner membership and Lyft and Boxed discounts.

The Good
  • With the Chase Freedom Flex℠, 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. enjoy new 5% categories each quarter! plus, earn 5% cash back on travel purchased through chase ultimate rewards®, 3% on dining and drugstores, and 1% on all other purchases. There is a $0 annual fee, and new cardholders can earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening! As if that wasn’t enough, the Chase Freedom Flex℠ is also offering a 0% Intro APR on Purchases for 15 months. After, a 14.99% - 23.74% Variable APR will apply. Additional benefits include auto rental collision coverage, trip cancellation/interruption insurance, travel and emergency assistance, extended warranty and purchase protections.
The Not so Good
  • There’s not much to not like about the Chase Freedom Flex℠. The only downsides are that the card does charge a foreign transaction fee of 3% of each transaction in U.S. dollars, and cardholders are required to activate the rotating spending categories every quarter to qualify for the 5% cashback rate on those.
The Bottom Line

The generous cashback rate on quarterly rotating categories as well as travel purchases through Chase and dining and drugstore spending, combined with its generous intro APR offer for purchases and sign-up bonus make the Chase Freedom Flex℠ a very attractive choice to add to your wallet, especially since it comes with a $0 annual fee.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Chase.

Consumer Reviews
(59 Reviews)

Offer Rating

3.7 out of 5.0

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