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Chase Freedom Flex Card – Full Review [2024]

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Jarrod West

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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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Chase Freedom Flex®

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.
4.55
Learn More(at Chase's secure site)
  • $200

  • $0

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.

  • 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.
4.55
Learn More(at Chase's secure site)

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 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 20.49%-29.24%.
  • 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

Customer Service Number

800-935-9935 (Available 24/7)

Pros

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • 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
  • No annual fee
  • Excellent cell phone insurance
  • Ability to pool points
  • Mastercard World Elite benefits

Cons

  • 3% foreign transaction fees in U.S. dollars

Upgraded Points: Expertise You Can Trust

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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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.

Alternatives to the Freedom Flex Card

Chase Freedom Unlimited®

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.

Capital One Savor Rewards Credit Card

If you spend a lot on dining and entertainment purchases, consider the Capital One Savor card, which earns 4% cash-back on dining, entertainment, and popular streaming services, plus 3% at grocery stores and 1% on all other purchases.


We’ve compared the Freedom Flex card to other popular cards:


UP’s Card Review Methodology

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)
  • And several more

You can learn more about how Upgraded Points reviews and rates credit cards.

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.

Frequently Asked Questions

Is the Freedom Flex card a good card?

The Freedom Flex card is excellent for those looking to earn cash-back or for those looking for a complement to their Chase Sapphire Preferred card or Chase Sapphire Reserve card.

Does the Freedom Flex card have an annual fee?

The Chase Freedom Flex card does not have an annual fee.

Does the Chase 5/24 rule apply to the Freedom Flex card?

Yes, the Freedom Flex card is subject to the Chase 5/24 rule. If you have opened 5 or more new accounts in the last 24 months, you will not be eligible for the card.

Are you eligible for the Freedom Flex card if you already have the Chase Freedom® card?

Yes, the Freedom Flex is a different product than the Chase Freedom card, so you are eligible to apply for it if you already have a Freedom card. Similarly, you can also call Chase to ask to change your Freedom card into a Freedom Flex card.

Does the Freedom Flex card charge foreign transaction fees?

Yes, the Freedom Flex card charges a 3% foreign transaction fee, so you should not use this card for international travel.

Do Chase Ultimate Rewards points expire?

Your Chase Ultimate Rewards points will never expire as long as your account remains open and in good standing.

Jarrod West's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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