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Pros & Cons
Pros
- +Welcome Bonus: $200
- +Up to 3x at restaurants
- +Purchase protection included
Cons
- –Foreign Transaction Fee (3%)
Our Review
Earn Flexibility & Rewards with the Chase Freedom Flex® Credit Card
- $200 bonus after $500 in purchases in the first 3 months
- 5% cash back on up to $1,500 in combined spending each quarter in rotating categories (activation required)
- 5% cash back on travel booked through Chase Ultimate Rewards®
- 3% cash back on dining, including takeout and delivery
- 3% cash back on drugstore purchases
- 2% cash back on Lyft rides through September 2027
- 1% cash back on all other purchases
- 0% intro APR on purchases and balance transfers for 15 billing cycles
- No annual fee (3% foreign transaction fee)
Take control of your rewards by activating quarterly categories that match your spending—whether groceries, gas or streaming services—and enjoy broad bonus rates on travel, dining and more. With no annual fee, seamless mobile management and built‑in protections like purchase protection and extended warranty, the Freedom Flex® delivers powerful cash back on every dollar.
Terms apply. See issuer for details.
Rewards
All Spending
1x
Cash Back pts per dollar
Restaurants
3x
Cash Back pts per dollar
Pharmacy
3x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
38,400
Cash Back/yr
Estimated Value
$384
After Fees
+$384
1st Year Value
$386
incl. welcome bonus
Breakdown
Additional Benefits
- Six months of complimentary DashPass membership for DoorDash and Caviar, with $0 delivery fees and lower service fees on eligible orders.
- 2% total cash back on Lyft rides through September 30, 2027.
- Chase Offers: activate targeted merchant offers in the Chase Mobile app and receive a statement credit within 30 days.
Travel Insurance
Trip Cancellation
Up to $1,500
Trip Interruption
Up to $1,500
Purchase Protection
Purchase Protection
Up to $500 / 120 days
Extended Warranty
+1 years
Mobile Device
Up to $800
Auto Rental Collision (secondary, primary abroad)
Up to $60,000 / 31 days
Fees and interest rates
- Annual Fee$0
- Foreign currency conversion fee3%
Terms & Conditions
Card Features
- 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 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
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.