Chase Freedom Flex® Review

Last Updated on May 13, 2026

Offer Rating

4.5/5

By Our Content Team

EDITOR

With up to 5% cash back on select purchases, the Chase Freedom Flex® credit card stands out as a leading option for consumers focused on maximizing rewards.

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Rates & Fees

Chase Freedom Flex®

4.5 BCC Score

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on Chase's secure site

Welcome Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

Rewards Rate

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases

Intro APR

0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, then 18.24% - 27.74% Variable

Annual Fee

Credit Score Needed

Excellent/Good

Card Brand

Mastercard

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex® card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC

Pros

Earn up to 5% cash back on select purchases
The spend threshold to earn the welcome offer is significantly lower than most credit cards
Escape high interest rates with a lengthy intro APR on purchases and balance transfers

Cons

There is a foreign transaction fee of 3% of each transaction in U.S. dollars
There is a cap on the 5% cash back in rotating quarterly categories

OUR EXPERT REVIEW

Why We Like It

The Chase Freedom Flex® credit card is an exciting offer from Chase that combines the popular cash back structure of 5% cash back in rotating quarterly categories with flat-rate rewards on dining, drugstores, and travel. The result is a powerful piece of plastic that can earn you substantial cash back! Cardholders will enjoy 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases. With so many lucrative categories, the cash back can pile up quick. But that's not all – new cardholders can even kickstart their rewards with a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

In addition to being one of the top cash back cards available, Chase Freedom Flex® also comes with a lengthy intro APR period: 0% Intro APR on Purchases for 15 months and 0% Intro APR on Balance Transfers for 15 months, followed by 18.24% - 27.74% Variable APR. That intro APR can be a lifesaver if you want to make a big purchase and pay it off over time without accruing hefty interest charges. Finally, you enjoy all these perks and rewards while paying no annual fee!

Pros & Cons

Pros

Earn up to 5% cash back on select purchases
The spend threshold to earn the welcome offer is significantly lower than most credit cards
Escape high interest rates with a lengthy intro APR on purchases and balance transfers