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Chase Freedom Flex review

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Advertiser Disclosure

Interest Rate: Purchases
14.99% ‐ 23.74% (Variable) (0% for the first 15 months)
Balance Transfer
14.99% ‐ 23.74% (Variable)
Rewards
1 - 5% cashback
Signup Bonus
$200 after spending $500


9/10
Informr score
The Chase Freedom Flex currently has an Informr score of 9 out of 10. This score is based on our evaluation of 14 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Chase Freedom Flex is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


ValuePenguin

Without charging an annual fee, the new Chase Freedom Flex℠ adds value that could appeal to many. Both credit card newbies looking for cash back and credit card experts who are currently pausing on travel will enjoy the versatility of the Chase Freedom Flex℠. While this card does not cover foreign t...

- Stella Shon, ValuePenguin
Miles to Memories

A great no fee card with a lucrative welcome offer and a rewarding earning structure. The real value is when it is paired with a premium Chase card.

- Miles to Memories
CreditCards.com

The Chase Freedom Flex card’s unique blend of year-round and quarterly-rotating rewards categories should offer great variety. It may be especially appealing to frequent travelers who want to avoid an annual fee or pair with a premium Chase travel card.

- Nouri Zarrugh, CreditCards.com
Investopedia

The Chase Freedom Flex is one of the better no-annual-fee cards available today. It offers several higher earning cash-back categories, but its 1% cash back on all other purchases isn’t anything special. The one-time bonus could provide significant value to people who regularly spend a large amount...

- Lance Cothern, Investopedia
Credit Card Insider

A solid card, especially considering it doesn’t have an annual fee. The rewards are excellent and cover a wide selection of categories, and the benefits could prove useful in a pinch. It’s kind of like a Swiss Army credit card; it touches on a bit of everything without focusing on any one subject, l...

- Evan Zimmer, Credit Card Insider

Details


Interest Rates
Regular APR Interest Rate 14.99% ‐ 23.74% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.99% ‐ 23.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus $200 after spending $500
  • On purchases within the first 3 months.
  • 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year.
Rewards
All Purchases 1% cash back
Restaurants 3% cash back

On dining at restaurants, including takeout and eligible delivery services

Gas No
Groceries No
Hotels No
Travel 5% cash back

On travel purchased through Chase Ultimate Rewards

Pharmacy 3% cash back
Bills No
Additional Details
  • 5% cash back on Lyft rides through March 2022
  • 5% Cash Rewards on Boxed Wholesale orders for use on future purchases
  • 5% cash back on up to $1,500 in qualifying purchases made at Walmart using PayPal
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • Get a complimentary 3 months of DashPass. After that, you are automatically enrolled in DashPass at 50% off for the next 9 months. Activate by December 31, 2021
  • Trip Cancellation/Interruption Insurance
  • Travel and Emergency Assistance Services
  • Cell Phone Protection
  • Discount at other popular merchants including Boxed, ShopRunner, Fandango
  • Free Identity Restoration Services
  • Receive a $10 Lyft credit once per month for every 5 rides you take in a month.
  • Complimentary Shoprunner Membership
  • Get $5 off movie tickets or at-home purchases for every 2 movie tickets purchased
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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