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  1. Credit Cards
  2. Chase Freedom Flex®
Chase

Chase Freedom Flex®

Chase Freedom Flex is built for cardholders who want strong everyday value without paying an annual fee, especially if they can take advantage of rotating bonus categories and Chase travel bookings. It works best as a flexible rewards card for household spending, dining, drugstores, and selective bonus use, not as a simple one-rate card for everything.

Welcome Offer
Earn a $200 Bonus
Annual Fee
$0
Rec. Credit Score
Good
Good For
Bonus category maximizers
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 quarterly categories

Drugstore and everyday errands

Chase travel bookings

Yes, for the right cardholder. Freedom Flex offers a lot for a $0 annual fee card: solid rewards in a few everyday areas, elevated earnings on travel booked through Chase, useful purchase and trip protections, and a welcome bonus that is easy to earn. If you already use Chase Ultimate Rewards, it fits especially well because the points can become more valuable when paired with certain premium Chase cards.

The tradeoff is that this is not the easiest card to use perfectly. Its strongest value depends on activating and using rotating quarterly categories, and the base rate on non-bonus purchases is only 1x points. It is also a poor choice abroad because of the 3% foreign transaction fee. If you want a card that rewards a little strategy and category tracking, Freedom Flex is easy to recommend. If you want one card for every purchase with no maintenance, a flat-rate card will likely fit better.

MaxRewards

MaxRewards Verdict

Chase Freedom Flex is a strong no-annual-fee pick for spenders who will actually use rotating categories and Chase's bonus travel earnings. Its main limitation is simplicity: if you will not track categories, the 1x base rate leaves too much spending under-rewarded.

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

Freedom Flex earns Chase Ultimate Rewards points, with the most value coming from specific bonus categories rather than everyday non-category spending. Think of it as a card that rewards targeted use: strong for quarterly categories, drugstores, and Chase travel bookings, but only average once you fall outside those lanes.

CategoryRate

Gas

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

6.3%

Old Navy

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

6.3%

5% cash back on travel purchased through Chase Travel℠

6.3%

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.

6.3%

5% categories each quarter!

6.3%

3% on dining and drugstores

3.8%

1% on all other purchases.

1.3%

Rewards percent based on a valuation of 1.25¢ per Ultimate Rewards point

Annual Credits & Perks

Benefits

The benefits here are practical rather than flashy. For a $0 annual fee card, the mix of purchase protection, rental car coverage, trip cancellation coverage, and DoorDash perks adds useful value, especially if you will actually use the delivery credits and occasional travel protections.

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 $2,500

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.

  • 6.25%10%Airline Tickets (Chase Travel), Hotels (Including The Edit) (Chase Travel), Car Rentals (Chase Travel), Cruises (Chase Travel), Activities and Tours (Chase Travel)
  • 6.25%6.25%Lyft Rides
  • 6.25%5%Flights (Booked Direct), Hotels (Booked Direct)

Annual Fee

$795

Rec. Credit

Good

View card details
Chase Sapphire Reserve®Chase Sapphire Reserve®

Earn 100,000 bonus points

Worth $1,250

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

  • 6.25%10%Purchases (Chase Travel), The Edit (Chase Travel)
  • 6.25%5%Flights (Booked Direct), Hotels (Booked Direct)
  • 6.25%3.75%Dining (Worldwide)

Annual Fee

$795

Rec. Credit

Excellent

View card details
Ink Business Preferred® Credit CardInk Business Preferred® Credit Card

Earn 100,000 bonus points

Worth $1,250

After you spend $8,000 on purchases in the first 3 months from account opening.

  • 6.25%3.75%Travel, Shipping Purchases, Internet, Cable and Phone Services, Advertising (Social Media Sites and Search Engines)
  • 6.25%1.25%All Other Purchases

Annual Fee

$95

Rec. Credit

Good

View card details