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Chase Freedom Flex review

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Annual Fee
Interest Rate: Purchases
18.74% ‐ 27.49% (Variable) (0% for the first 15 months)
Interest Rate: Purchases
18.74% ‐ 27.49% (Variable) (0% for the first 15 months)
Balance Transfer
18.74% ‐ 27.49% (Variable) (0% for the first 15 months)
Balance Transfer
18.74% ‐ 27.49% (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 9.3 out of 10. This score is based on our evaluation of 28 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...


If you’re ready to step up your points-earning game, the Chase Freedom Flex offers revolving quarterly categories that can help you on your mission. You’ll need to stay on top of the calendar and activate the offers to earn the points, but it isn’t too complicated to do so. Even if you’re not ready...

- Cynthia Bowman, GOBankingRates

This 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's possible to rack up a decent amount of cash ba...

- Rebecca Lake, MyBankTracker

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
Upgraded Points
Upgraded Points

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card. The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

- Jarrod West, Upgraded Points

The Chase Freedom Flex credit card is a competitive no-annual-fee card that outmatches the other two Freedom cards. You’ll receive lucrative cash-back rewards and an industry-leading welcome bonus that make this card a great asset.

- Alexandria White, CNBC


Interest Rates
Regular APR Interest Rate 18.74% ‐ 27.49% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 18.74% ‐ 27.49% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 28.74% (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 grocery store purchases (excluding Target® and Walmart®) on up to $12,000 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 No
Bills No
Additional Details
  • 5% cash back on up to $1,500 on qualifying purchases made using PayPal at Walmart
  • 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.
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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