The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

  • Chase Freedom Flex℠

    An easy-to-use cash back card with quarterly rotating bonus categories

    • 1–5% Cash Back*Rewards Rate
    • 20.49% – 29.24% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

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Our methodology for reviewing credit cards is well-defined, streamlined and transparent. We use standardized data points for fair comparisons, estimate average spending profiles, determine the long-term value and re-rank cards regularly. We collect information from the Consumer Financial Protection Bureau database.

In this review of the Chase Freedom Flex℠ credit card, we take a look at whether or not the benefits of the card and its cash back categories will make sense for your spending habits. Cardholders have a variety of cash back categories to earn on and several new cardholder perks make this a card worth considering.

Chase Freedom Flex℠ Review Overview

The Chase Freedom Flex credit card offers several benefits and rewards. First up, you get a welcome offer of $200 cash back for $500 spent during the first three months. You can also activate quarterly rotating bonus categories that bring you 5% cash back for all purchases up to $1,500 in these categories. You can get 3% cashback on eligible delivery, dining and drugstore purchases, and 5% cash back at grocery stores and on travel purchases made through Chase Ultimate Rewards.

Here are some ways to redeem your rewards:

Quick Take

  • $200 cash back on $500 spent during first three months
  • 5% cash back on quarterly rotating bonus categories
  • 5% cash back on Chase Ultimate Rewards travel purchases
  • 5% cash back at grocery stores for 12 months
  • 3% cash back on dining, takeout, delivery and drug store purchases

Important Card Details

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    Regular APR

    The Chase Freedom Flex℠ credit card comes with an introductory offer of 0% APR for purchases and balance transfers. This is valid for 15 months. Once the offer period is over, you will be charged a variable APR of 20.49% – 29.24%. For cash advances, you will pay a variable APR of 29.99%.

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    Important Fees

    The card comes with no annual fee, but there are other fees to consider. For foreign transactions, the card account charges a fee of 3% for every transaction. For cash advances, you will pay either $10 or 5% of each transaction, whichever is higher. There is also a balance transfer fee of $5 or 3% of each transfer within 60 days of opening the account. After that, it’s the greater of $5 or 5%.

Additional Benefits

Here are some other important benefits and features that come with the Chase Freedom Flex℠ credit card:

  • Cell phone protection: The card includes cell phone protection against damage and theft, with a coverage of up to $1,000 per year with a maximum of two claims per year and $800 per claim. To qualify, you need to pay your cell phone bill with your credit card.
  • Travel perks: With this card, you get trip interruption and cancellation insurance with reimbursements of up to $6,000 per trip and $1,500 per person for prepaid and non-refundable fares. You also get a secondary coverage auto rental collision damage waiver.
  • Purchase and warranty protections: The card comes with a warranty extension on applicable purchases for a further year for warranties of three years or less. It also includes protection for your new purchases against theft or damage for a period of 120 days with a limit of $5,000 per account and $500 per claim.
  • Lyft: The card comes with special Lyft perks that can benefit regular commuters. Currently, you can get 5% cash back on all Lyft rides until March 2022.
  • Doordash: With this card, you receive a complimentary three-month membership to DashPass, the subscription service offered by DoorDash that gives you unlimited free deliveries for all eligible orders above $12. Once the offer period expires, you get automatically enrolled in the service at a 50% discount for the next nine months.

How the Chase Freedom Flex℠ Compares To Other Cards

While the Chase Freedom Flex℠ can be a good cash back card, you can check out competing offerings to understand whether this will truly be the right choice for your needs and expectations.

In-Depth Credit Card Comparisons:
How the Chase Freedom Flex℠ Compares

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Chase Freedom Flex℠

  • Annual Fee: $0
  • APR: 20.49% – 29.24% variable
  • Base Cash Back Rate: 1%
  • Intro offer: $200 cash back, 0% intro APR
  • Best For: Targeted cash back categories
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Citi® Double Cash Card

  • Annual Fee: $0
  • APR: 19.24% – 29.24% variable
  • Base Cash Back Rate: 2%
  • Intro offer: None
  • Best For: Simple cash back structure

Frequently Asked Questions

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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