Chase Freedom Flex review

Compare Compare  
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


9.2/10
Informr score
The Chase Freedom Flex currently has an Informr score of 9.2 out of 10. This score is based on our evaluation of 12 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...


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
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
Money Crashers

Chase Freedom Flex℠ takes its place as one of the top cash-back credit cards on the market right now. With an expanded 5% cash-back category, a new 3% cash-back category, and plenty more perks — all for no annual fee — it clearly ups the game for Chase’s rivals. 

- Brian Martucci, Money Crashers
FinanceBuzz

The Chase Freedom Flex provides heaps of earning potential and benefits — all with a $0 annual fee. However, it’s not an all-encompassing card that will earn the most rewards on every purchase you make.

- Ben Walker, FinanceBuzz
Business Insider

If you're looking for a card that pays cash back on each of your purchases, plus higher cash-back potential when you're traveling, eating or swinging by the pharmacy, consider the Chase Freedom Flex. The newest addition to the lineup of Chase credit cards delivers a wide range of perks and protectio...

- David McMillin, Business 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 up to $1,500 in combined purchases in bonus categories each quarter you activate
  • 5% cash back on Lyft rides through March 2022
  • Earn 5% Cash Rewards on Boxed Wholesale orders for use on future purchases.
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
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Chase Freedom Flex

Rate It: