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Chase Freedom Flex℠

Rated 4.5/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 45 Offer Ratings
Over the Past 60 Days!

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(45) Over the Past 60 Days!

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Regular Purchase APR 14.99% - 23.74% Variable
Intro Purchase APR 0% Intro APR on Purchases for 15 months
Intro BT APR N/A
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.
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.

Card Fees

Foreign Transaction Fee 3% of each transaction in U.S. dollars

Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.

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

Penalty APR Up to 29.99%

Ongoing Information

Rewards Rate Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases.

Annual Fee $0

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

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.

Expert Reviews of the Chase Freedom Flex℠

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

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.

The Good

With the Chase Freedom Flex℠, earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through chase, 3% on dining and drugstores, and 1% on all other purchases. The quarterly rotating categories in 2020 have included Amazon.com, Whole Foods Market, select streaming services, gas stations, Walmart and PayPal, gym memberships and more. 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. 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. 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.

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.