Chase Freedom Flex®
A no-fee rotating-category card that earns 5% on what you buy most, now with no foreign transaction fees.
Chase Freedom Flex®
Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Learn More → Limited Time Offer Limited-time offer; terms apply. See the issuer’s site for rates, fees, and full offer details.Where it earns
Cash back that becomes travel. Chase pays the Freedom Flex’s rewards as Ultimate Rewards points. On its own it earns cash back, but combine it with a Sapphire or Ink card and those points become fully transferable to airline and hotel partners like Southwest and Hyatt, useful for Hawaii trips near and far.
Chase Sapphire Preferred® Chase Sapphire Reserve® Chase Freedom Unlimited®What earns 5% this quarter
Activate each quarter to earn 5% cash back on up to $1,500 in combined purchases in that quarter’s bonus categories.
- Gas Stations, Public Transit & EV Charging
- Select Live Entertainment
- United Way®
- Grocery Stores**
- Dining 7x total
- American Red Cross®
- Grocery Stores**
- Top Streaming Services
- Coming soon
** Excluding Walmart® and Target®
Best free card for people who will actually activate
The Freedom Flex is the most hands-on of the no-fee Chase cards. Activate the rotating 5% categories each quarter and it can out-earn almost anything in your wallet on that spend. Skip the activation and you leave real money on the table, so it rewards people who like to stay a little organized.
What makes it more than a cash-back card is the same trick as the Freedom Unlimited: the rewards are really Ultimate Rewards points. Combine them with a Sapphire or Ink card and they transfer to airline and hotel partners, which is where a grocery run quietly becomes a Southwest interisland seat or a Hyatt night. And now that the foreign transaction fee is gone, it finally earns cleanly on trips too.
My view: if you will actually activate the categories each quarter, this earns its place as a no-fee everyday card. If you know you will forget, the flat-rate Freedom Unlimited may serve you better. Either way, pair it with a card that has transfer partners so the points reach their full value.
What you get
5% Rotating Categories
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
No Foreign Transaction Fees
Earn rewards worldwide with no added fee on purchases made outside the United States.
Points Boost
Redeem points for up to 10% more value on select hotel bookings through Chase Travel℠.
No Annual Fee
Earn cash back on every purchase with no yearly fee to keep the card.
Combine With Chase Points
Rewards are earned as Ultimate Rewards points you can combine with your other Chase cards to unlock transfer partners.
Purchase Protection
Coverage for eligible new purchases against damage or theft, plus extended warranty protection.
The welcome bonus is not available if you are a current cardmember of this card, or if you have received a new cardmember bonus on it in the past 24 months. Chase’s 5/24 guideline also applies. Credit score ranges are estimates only and approval is not guaranteed.