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  1. Credit Cards
  2. Chase Freedom Flex®
Chase

Chase Freedom Flex®

The Chase Freedom Flex is built for everyday spenders who want to maximize cash back across shifting quarterly categories without paying an annual fee. It combines high-yield rotating bonus categories with solid, permanent rewards on dining, drugstores, and travel booked through Chase.

Welcome Offer
Earn a $200 Bonus
Annual Fee
$0
Rec. Credit Score
Good
Good For
Everyday cash back and rotating rewards
Learn MoreEstimate your value
Chase Freedom Flex®

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Chase Freedom Flex® worth it?

This card is great for...

Rotating 5% quarterly bonus categories

Everyday dining and drugstore purchases

No-annual-fee cash back strategies

With no annual fee and a strong mix of fixed and rotating rewards, the Chase Freedom Flex easily delivers outstanding value for everyday spenders. Cardholders who activate and max out the quarterly 5% bonus categories on up to $1,500 in combined spend earn $300 in cash back each year from those categories alone. Adding year-round 3% earnings on dining and drugstores, alongside 5% back on travel booked through Chase, creates a high-earning card for routine purchases.

The main drawback is the extra effort required to track and manually activate the quarterly bonus categories every three months. Spending outside the featured categories also defaults to a standard 1% return, and a 3% foreign transaction fee means it should stay home during international trips. For domestic cardholders willing to spend a few seconds activating categories each quarter, the card provides exceptional earning potential at zero cost.

MaxRewards

MaxRewards Verdict

The Chase Freedom Flex is an exceptional choice for domestic spenders seeking top-tier cash back on a $0 annual fee card, provided you do not mind activating quarterly bonus categories.

Welcome Offer

Earn a $200 Bonus

after you spend $500 on purchases in your first 3 months from account opening!

Est. Value

$200

Required Spend

$500

Time Frame

3 Months

Est. Value

$200

Required Spend

$500

Time Frame

3 Months

Earning

Rewards

Rewards are earned as Chase Ultimate Rewards points, which can be redeemed for cash back at a rate of one cent per point or combined with a premium Chase card for travel redemptions. You earn through a combination of quarterly rotating bonus categories, permanent elevated categories, and travel booked through Chase.

CategoryRate

Gas

Jul 1 – Sep 30 · Up to $1,500 in spend

7.5%

Dining

Oct 1 – Dec 31 · Up to $1,500 in spend

7.5%

Bonus Categories

Up to $1,500 spend per year

7.5%

Travel (Chase Travel)

7.5%

Dining, Drugstores

4.5%

All Other Purchases

1.5%

Rewards percent based on a valuation of 1.5¢ per Ultimate Rewards point

Annual Credits & Perks

Benefits

Despite carrying no annual fee, the card includes several built-in protections and practical savings on food delivery and shopping.

BenefitAnnual value
$40

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

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Chase Freedom Flex®DoorDash non-restaurant promo
Autotracked
$0 of $10Every 3 months

Benefits

Insurance

Purchase Protection

Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.


Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.


Roadside Assistance

If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at the time of dispatch.


Extended Warranty Protection

Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.


Travel and Emergency Assistance

If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained).

Benefits

Status & Access

Complimentary DashPass Membership

Get a complimentary DashPass membership on DoorDash and Caviar. DashPass provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders.

Benefits

Other

Mastercard World Elite®

Your World Elite Mastercard comes with a complimentary 24/7 concierge service that acts like a personal assistant. Need to locate hard-to-find items or even reserve that perfect table? Mastercard World Elite Concierge is there to help. To contact the concierge, visit worldeliteconcierge.mastercard.com.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0

Purchase APR

18.24% - 27.74%

Variable

Transfer APR

18.24% - 27.74%

Variable

Cash Advance APR

28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$10

Late Payment

None

For rates and fees of Chase Freedom Flex®, please visit the Chase website.

Table of Contents

Chase Freedom Flex®

Chase Freedom Flex®

Learn More

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Recognition

Featured in

  • #6Best No-Annual-Fee Credit CardsView list
  • #8Best Cash Back Credit CardsView list

Other cards from Chase

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Sapphire Reserve for Business℠Sapphire Reserve for Business℠
Limited Time Offer

Earn 200,000 bonus points

Worth $3,000

After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

  • 7.5%12%Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)
  • 7.5%7.5%Lyft Rides
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)

Annual Fee

$795

Rec. Credit

Good

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Air Canada Aeroplan®Air Canada Aeroplan®

115,000 Points

Worth $1,610

After you spend $4,000 on purchases on your new card in your first 3 months of card membership.

  • 7.5%1.4%Everywhere

Annual Fee

$195

Rec. Credit

Excellent

View card details
Chase Sapphire Reserve®Chase Sapphire Reserve®

Earn 100,000 bonus points

Worth $1,500

After you spend $6,000 on purchases in the first 3 months from account opening.

  • 7.5%12%Purchases (Chase Travel), The Edit (Chase Travel)
  • 7.5%6%Flights (Booked Direct), Hotels (Booked Direct)
  • 7.5%4.5%Dining (Worldwide)

Annual Fee

$795

Rec. Credit

Excellent

View card details