Chase Freedom Flex Review
Chase · Savvy cashback maximizers, especially Chase ecosystem users
4.7 / 5 (2987 reviews)
Annual Fee
No annual fee
Rewards
5% rotating categories, 3% dining & drugstores, 1.5% travel via Chase, 1% everything else
Regular APR
20.49% – 29.24%
Credit Needed
Good (670-749)
Our Expert Verdict
9/10
Editor's Score
One 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.
Pros
- No annual fee
- 5% rotating categories
- 3% on dining & drugstores permanently
- Cell phone protection
- Pairs with Sapphire for higher value
Cons
- 3% foreign transaction fee
- Rotating categories require quarterly activation
- 5% cap at $1,500/quarter
Sign-Up Bonus
$200 after spending $500 in 3 months
Key Benefits & Perks
No annual fee
0% intro APR for 15 months
Cell phone protection up to $800
Purchase protection
Extended warranty
Pairs with Sapphire cards to unlock full transfer value
Rewards Breakdown
| Category | Rate |
|---|---|
| Rotating categories (quarterly) | 5% |
| Dining | 3% |
| Drugstores | 3% |
| Travel (Chase) | 5% |
| Everything else | 1% |
Ready to apply for the Chase Freedom Flex?
Savvy cashback maximizers, especially Chase ecosystem users
Apply NowUser Reviews
Customer Reviews
4.7
2,987 reviews
5
0
4
0
3
0
2
0
1
0
No reviews yet. Be the first to review this card.
Similar Cards to Consider
Key Benefits
Travel (Chase)5x
Dining3x
Online Groceries3x
Everything else1x
$95/yr$750 bonusNo FTF
Key Benefits
Hotels (Chase)10x
Flights (Chase)5x
Dining3x
Everything else1x
$550/yr$900 bonusNo FTF
