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Chase Freedom Flex review

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Annual Fee
Interest Rate: Purchases
15.74% ‐ 24.49% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
15.74% ‐ 24.49% (Variable) (0% for the first 15 months)
Balance Transfer
15.74% ‐ 24.49% (Variable) (0% for the first 15 months)
Balance Transfer
15.74% ‐ 24.49% (Variable) (0% for the first 15 months)
1 - 5% cashback
1 - 5% cashback
Signup Bonus
$200 after spending $500
Signup Bonus
$200 after spending $500

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 27 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...


The Chase Freedom Flex℠ is worth it for cardholders who love strategizing their purchases around bonus categories to maximize their rewards. The card offers robust cash back opportunities and rotating bonus categories that change every quarter. With a $0 annual fee, the Chase Freedom Flex℠ is loaded...

- Sophia Mendel, ValuePenguin

Cardmembers can take advantage of 5% cash back on rotating categories, 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back on drugstore purchases and 1% back on everything else. New cardholders can also take advantage of valuable intro...

- Ben Luthi, SlickDeals
The Balance
The Balance

It is the newest Chase offering on the market, replacing the Chase Freedom card with a wider range of cash-back opportunities and a host of new features. The card boasts impressive rewards rates along with several perks and benefits uncommon for cash-back cards.

- Lindsay Vansomeren, Matthew Klammer, The Balance
US Credit Card Guide
US Credit Card Guide

This Chase Freedom Flex (CFF) card is an upgrade from the old Chase Freedom card. Pretty like the old Freedom card, you can mainly use it on the 3x (~4.8%) and 5x (~8%) bonus categories. After you accumulate enough UR points, you can apply for a CSP/CSR and then transfer these UR points to airline m...

- US Credit Card Guide
Business Insider
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...

- Jasmin Baron, Business Insider


Interest Rates
Regular APR Interest Rate 15.74% ‐ 24.49% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 15.74% ‐ 24.49% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 25.74% (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 $40.00


Sign up bonus $200 after spending $500
  • On purchases within the first 3 months.
  • Earn 5% cash back on gas station purchases on up to $6,000 spent in the first year.
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

on drugstore purchases

Bills No
Additional Details
  • 5% cash back on up to $1,500 on Amazon and select streaming services
  • 5% cash back on Hello Fresh 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
  • 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
  • Take 3 rides in one calendar month and pay with your World Elite Mastercard to earn a $5 Lyft credit.
  • Complimentary Shoprunner Membership
  • Spend $20 at Fandango or on Fandango's streaming service and get a $5 Fandango Reward.
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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