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Chase Credit card
Chase Freedom Flex®
Cash back
MASTERCARD
Apply for Chase Freedom Flex®

On Chase's secure site

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Credit card Chase Mastercard

Card review

Chase Freedom Flex®

4.7 4.7 out of 5 9.4/10 DebitCue Score Verified

5% rotating categories plus strong everyday rates — no annual fee

Fee
No fee
Purchase APR
18.24% - 27.74%
Interest-free
-
Foreign fee
3%
Rewards
5% rotating categories (up to $1,500/quarter), 5% Chase Travel, 3% dining & drugstores, 1% all else
Welcome offer
$200 bonus after $500 spend in first 3 months

Our verdict

What stands out, and where it falls short.

What we like

  • 5% rotating categories (up to $1,500/quarter), 5% Chase Travel,…
  • Welcome bonus
  • No card fee
  • Travel insurance included

Worth weighing

  • 3% foreign transaction fee

Who It Is For

Whether the Chase Freedom Flex® fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card
  • Frequent travelers
  • People who want rewards on their spending

Skip it if you are

  • Frequent international travelers

Rates and fees

As of

All amounts shown in USD.

Card fee
No fee
Purchase APR
18.24% - 27.74%
Interest-free period
-
Foreign transaction fee
3%
Intro APR
0% for 15 months on purchases and balance transfers

Rewards and features

Rewards
5% rotating categories (up to $1,500/quarter), 5% Chase Travel, 3% dining & drugstores, 1% all else
Welcome offer
$200 bonus after $500 spend in first 3 months
Pay with
Apple Pay, Google Pay, Contactless, Virtual card
Rotating categories
Must activate each quarter; Q2 2026 includes Amazon, Chase Travel, Feeding America
Points pairing
Can combine with Sapphire to convert cash back to transferable points

Benefits and perks

Extras that come bundled with the card.

  • Cell phone protection up to $800 per claim
  • Purchase protection 120 days up to $500/item
  • Extended warranty adds 1 year to manufacturer warranties
  • Trip cancellation/interruption up to $1,500 per traveler

Chase Freedom Flex®: your questions answered

Does the Chase Freedom Flex® have a card fee?
No - the Chase Freedom Flex® has no card fee.
What rewards does the Chase Freedom Flex® earn?
The Chase Freedom Flex® earns 5% rotating categories (up to $1,500/quarter), 5% Chase Travel, 3% dining & drugstores, 1% all else.
Does the Chase Freedom Flex® charge foreign transaction fees?
Yes - the Chase Freedom Flex® charges a 3% foreign transaction fee.
What is the interest rate on the Chase Freedom Flex®?
The Chase Freedom Flex® has a purchase APR of 18.24% - 27.74%.
Does the Chase Freedom Flex® have a welcome offer?
Yes - $200 bonus after $500 spend in first 3 months.
Is the Chase Freedom Flex® a credit, debit or prepaid card?
The Chase Freedom Flex® is a credit card issued by Chase on the Mastercard network.
Does the Chase Freedom Flex® support Apple Pay and Google Pay?
Yes - the Chase Freedom Flex® works with both Apple Pay and Google Pay.
Where can I get the Chase Freedom Flex®?
The Chase Freedom Flex® is currently offered in United States.
How does DebitCue rate the Chase Freedom Flex®?
DebitCue rates the Chase Freedom Flex® 4.7 out of 5 (9.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the Chase Freedom Flex®?
Use the Apply now button to continue on Chase's secure site. Comparing and applying through DebitCue is free.

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