Edited by: Michael Y. Park
& Stella Shon
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Good to Excellent (670-850)
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.
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.
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.
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 the Ultimate Rewards travel portal, 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
The Freedom Flex card offers great insurance benefits, especially for a no-annual-fee card!
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. It offers all of the same bonus categories as the Freedom Flex card, except instead of 5% cash-back on rotating bonus categories you earn an uncapped 1.5% cash-back on all purchases not in the bonus categories.
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:
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:
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.
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.
The Chase Freedom Flex card does not have an annual fee.
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.
Yes, the Freedom Flex card charges a 3% foreign transaction fee, so you should not use this card for international travel.
Your Chase Ultimate Rewards points will never expire as long as your account remains open and in good standing.