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Chase Freedom Flex®
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%
Good to Excellent (670-850)
Chase Freedom Flex®
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
Card Details
Card Snapshot
Welcome Bonus & Info
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 choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99%-28.74%.
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.
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.
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Methodical “U.P. Rating
The U.P. Rating System
The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1088+ Expert Credit Card Guides
With all the credit card offers out there, it can be a lot of work to narrow down which one is right for you. Luckily, we’re here to help you decide whether the Chase Freedom Flex card truly has the spending flex you’re looking for.
Great Card If
You want a card with a strong cash-back earning structure
You want a card with no annual fee
You want a card that earns flexible rewards
Don’t Get If
You want a premium credit card that offers travel benefits and perks
Freedom Flex Card — Is It Worth It?
There are 2 types of people who would find the Freedom Flex card very worth it.
The first is anyone looking for a strong cash-back card that charges no annual fee. With 5% cash-back on quarterly categories (up to $1,500 in spend) and travel purchases and 3% cash-back on dining and drugstores, the amount of cash-back you can earn can amount to significant savings.
The second type is people looking to earn as many points as possible to maximize travel rewards by pooling points with a premium Ultimate Rewards card such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®.
How is this possible? When you transfer the points earned from your Freedom Flex card to a premium Ultimate Rewards card, your points are then worth 25% to 50% more when redeemed through Chase Travel, or even more when transferred to one of Chase’s airline or hotel transfer partners.
Many team members at Upgraded Points view the Freedom Flex card as a must-have, including Compliance Editor and Content Contributor Juan Ruiz:
“I cherish the Freedom Flex card for its ability to help me earn 5% cash-back on rotating bonus categories. Given that I also have the Chase Sapphire Preferred card, the cash back I receive is converted into valuable travel rewards that can be redeemed for flights, hotels, and more. These 2 cards catalyze my strategy to earn lots of Chase Ultimate Rewards.”
Juan Ruiz, Compliance Editor and Content Contributor
Freedom Flex Card Top Benefits
Freedom Flex Card Protections
The Freedom Flex card offers great insurance benefits, especially for a no-annual-fee card!
Cell Phone Protection — You’re covered against theft of or damage to your phone for up to $800 per claim and $1,000 per year when you pay your monthly cell phone bill with your card. There’s a maximum of 2 claims each year, with a $50 deductible per claim.
Purchase Protection — Items you buy with your card are covered for 120 days from the purchase date against damage or theft for up to $500 per claim and $50,000 per account.
Extended Warranty Protection — This coverage adds 1 additional year to warranties of 3 years or less.
Trip Cancellation/Interruption Insurance — For a trip that is canceled or cut short, you can be reimbursed for nonrefundable travel expenses for up to $1,500 per person and $6,000 per trip.
Rental Car Insurance — Secondary rental car insurance covers accidental damage or theft of your rental car.
How To Earn and Redeem Your Chase Ultimate Rewards Points
All of the cash-back you earn with your card comes in the form of Chase Ultimate Rewards points, which is great because Chase Ultimate Rewards points are some of our favorite points to earn. Given that, you’ll want to use multiple strategies to earn lots of Ultimate Rewards points.
For the most part, your best option when it comes to redeeming points on your Freedom Flex card is for cash-back. That is, unless you pair your card with a premium Chase card such as the Chase Sapphire Preferred card or Chase Sapphire Reserve card, which gives you access to the Chase airline and hotel partners. Through partners, you can then redeem your Ultimate Rewards points for huge value.
If you like most of what the Freedom Flex card has to offer but prefer not to deal with keeping up with rotating bonus categories, then the Freedom Unlimited card is a great option.
If you spend a lot on dining and entertainment purchases, consider the Capital One Savor cardInformation collected independently. Not reviewed by Capital One., which earns 3% cash-back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target) and 1% on all other purchases.
We’ve compared the Freedom Flex card to other popular cards:
Every card we review is assigned a "U.P. Rating" – our star-based system that encompasses all the key details to showcase a card’s standout features, where it falls short, and how it stacks up for travelers to maximize rewards.
These ratings range from 0 to 5 stars and are determined by carefully weighing crucial factors like:
Bonus categories
Benefits and perks
Quality of associated loyalty programs
Annual fees and other costs
Size of the welcome bonus (and relative to the annual fee)
The information regarding the Capital One Savor Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Bank of America® Customized Cash Rewards credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Slate Edge℠ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Discover it® Cash Back Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Blue Cash Everyday® from American Express, click here. For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
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