Chase Freedom Flex
No fee
Chase
Chase Freedom Flex
4.7
(2,987 reviews)cashbackrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026One of the best no-annual-fee cards available, combining 5% rotating bonus categories with a permanent 3% on dining and drugstores. When paired with a Chase Sapphire card, cash back converts to transferable Ultimate Rewards points worth 1.25–1.5 cents each — dramatically increasing value. Cell phone protection is a bonus you won't find on most free cards.
Annual Fee
No annual fee
Purchase APR
20.49% – 29.24%
Rewards
1% base rate
Sign-Up Bonus
$200 value
Credit Score
Good (670-749)
Foreign Txn Fee
3%
Who Should Get This Card
The Chase Freedom Flex is best suited for established credit users who savvy cashback maximizers, especially chase ecosystem users. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- No annual fee
- 5% rotating categories
- 3% on dining & drugstores permanently
- Savvy cashback maximizers, especially Chase ecosystem users
Consider another card if you…
- 3% foreign transaction fee
- Rotating categories require quarterly activation
- 5% cap at $1,500/quarter
Rewards Breakdown
5% rotating categories, 3% dining & drugstores, 1.5% travel via Chase, 1% everything else
| Category | Rate |
|---|---|
| Rotating categories (quarterly)(Earn 5% on rotating quarterly categories up to 1,500 dollars (activation required), 5% on Chase Travel, 3% on dining and drugstores, and 1% on everything else — all with no annual fee. An exceptional companion to Chase Sapphire cards: Freedom Flex points become transferable to 14 airline and hotel partners when linked to a Sapphire account.) | 5% |
| Dining | 3% |
| Drugstores | 3% |
| Travel (Chase) | 5% |
| Everything else | 1% |
Rewards Distribution
5%
top rate
Rotating categories (quarterly)5%29%
Dining3%18%
Drugstores3%18%
Travel (Chase)5%29%
Everything else1%6%
Sign-Up Bonus
$200 after spending $500 in 3 months
Stable OfferRarely changes
Low: $200Avg: $200High: $200
Current
$200
Bonus History
23
24
24
26
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 20.49% – 29.24% |
| Intro APR (Purchases) | 0% for 15 months |
| Intro APR (Balance Transfer) | 0% for 15 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $40 |
Pros & Cons
No annual fee
5% rotating categories
3% on dining & drugstores permanently
Cell phone protection
Pairs with Sapphire for higher value
3% foreign transaction fee
Rotating categories require quarterly activation
5% cap at $1,500/quarter
The Bottom Line
The Good: The Chase Freedom Flex stands out for its no annual fee. The welcome bonus worth $200 adds significant first-year value.
The Not So Good: 3% foreign transaction fee.
Our Verdict: With an editor score of 9/10, the Chase Freedom Flex is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Chase Freedom Flex?▾
The Chase Freedom Flex has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the Chase Freedom Flex?▾
The Chase Freedom Flex currently offers a sign-up bonus worth approximately $200. $200 after spending $500 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Chase Freedom Flex?▾
The Chase Freedom Flex earns 1% on all purchases, and up to 5% in select bonus categories. Rewards are earned as cash back credited to your statement.
What credit score do I need for the Chase Freedom Flex?▾
The Chase Freedom Flex is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Chase Freedom Flex charge a foreign transaction fee?▾
Yes, the Chase Freedom Flex charges a 3% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the Chase Freedom Flex?▾
The Chase Freedom Flex has a variable purchase APR of 20.49% – 29.24%, with a 0% intro APR for the first 15 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Chase Freedom Flex best for?▾
The Chase Freedom Flex is best for Savvy cashback maximizers, especially Chase ecosystem users. A key advantage: no annual fee.
Customer Reviews
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