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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) (0% for the first 15 months)
1 - 5% cashback
Signup Bonus
$200 after spending $500

Informr score
The Chase Freedom Flex currently has an Informr score of 9.1 out of 10. This score is based on our evaluation of 18 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...


With a $0 annual fee, the Chase Freedom Flex℠ is armed with excellent rewards-earning opportunities and customer-friendly benefits — fitting for the pandemic at hand. Both credit card newbies looking for cash back and credit card experts who are currently pausing on travel will enjoy the versatility...

- Stella Shon, ValuePenguin
One Mile at a Time

The Freedom Flex Card is an awesome card that offers 5x points in rotating quarterly categories, and 3x points on dining and drugstores, all with no annual fee. These rewards can be redeemed as cash back, or otherwise can be converted into Ultimate Rewards points in conjunction with another card, ge...

- Ben Schlappig, One Mile at a Time

The Chase Freedom Flex℠Chase Freedom Flex Credit Card may be worth considering if you're looking for a solid cash back rewards card. This card is best suited for people who charge travel, dining and other everyday purchases regularly. Between the 5% bonus category rewards and the regular rewards, it...

- Rebecca Lake, MyBankTracker
Traveling For Miles

The Chase Freedom Flex credit card may be a relatively new credit card but it’s already a “must-have” credit card for those of us who love cash back and Ultimate Rewards. The earning rates are impressive, the welcome bonus is generous, and the benefits that come with the card can be money savers all...

- Ziggy, Traveling For Miles

If you want to get the most bang for every buck and you’re willing to keep track of both rotating categories and tiered ongoing rewards , you should get this card. The extensive rewards offer some of the highest bonus rewards value of any cash back card at no annual fee. On top of a large array of c...

- Ryan Haar, NextAdvisor


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) (0% for the first 15 months)

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 $40.00


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.
All Purchases 1% cash back
Restaurants No
Gas No
Groceries 5% cash back

Excluding Target® & Walmart®

Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • 5% cash back on Lyft rides through March 2022
  • 5% cash back on up to $1,500 in select streaming services
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
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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