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Chase Freedom Flex review

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Annual Fee
$0.00
Interest Rate: Purchases
20.49% ‐ 29.24% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
20.49% ‐ 29.24% (Variable) (0% for the first 15 months)
Balance Transfer
20.49% ‐ 29.24% (Variable) (0% for the first 15 months)
Balance Transfer
20.49% ‐ 29.24% (Variable) (0% for the first 15 months)
Rewards
1 - 5% cashback
Rewards
1 - 5% cashback
Signup Bonus
$200 after spending $500
Signup Bonus
$200 after spending $500


9.3/10
Informr score
The Chase Freedom Flex currently has an Informr score of 9.3 out of 10. This score is based on our evaluation of 33 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...


NerdWallet
NerdWallet

This card is lucrative and ideal for optimizers who don't mind putting in some work to keep track of its rewards structure. If you want a no-fuss cash-back card that requires no maintenance, look elsewhere.

- Erin Hurd, NerdWallet
Cnet
Cnet

The Chase Freedom Flex℠* lives up to its name, offering a flexible spread of credit card benefits and rewards, with 5% cash back on rotating categories each quarter. This card has no annual fee and also boasts 3-5% unlimited cash back on its “always-on” categories of dining, drugstores and travel bo...

- Joe Van Brussel, Dashia Milden, Cnet
Time
Time

The Chase Freedom Flex℠ packs a thunderous punch in a small, no-annual-fee package. We recommend it thanks to its high cash back rates on rotating bonus categories, Chase Ultimate Rewards Travel, dining, and drugstore purchases. It isn’t perfect, though – foreign transaction fees and mediocre cashba...

- Bob Haegele, Time
Forbes
Forbes

The Chase Freedom Flex℠* has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining at resta...

- Robin Saks Frankel, Caroline Lupini, Forbes
CardRatings.com
CardRatings.com

It's rare to see a new cash-back card that really excites us. However, by offering 5% cash back on multiple categories, an achievable sign-on bonus and plenty of extras, we think the Chase Freedom Flex℠ could be a great addition to any wallet.

- Jennifer Doss, CardRatings.com

Details


Interest Rates
Regular APR Interest Rate 20.49% ‐ 29.24% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 20.49% ‐ 29.24% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 30.24% (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

Maximum

Promotions
Sign up bonus $200 after spending $500
  • On purchases within the first 3 months.
  • Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) 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 on grocery stores (excluding Walmart and Target), fitness club & gym membership, self-care, and spa services
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
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.
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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