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Chase · Credit cards

Chase Freedom Flex

No-annual-fee credit card featuring 5% cash back in quarterly rotating categories, 5% on travel via Chase, and 3% on dining and drugstores.

Annual fee

$0/yr

10 attributes tracked

Catalog as of September 1, 2026

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Annual fee

$0

Rewards rate

5% on quarterly rotating categories (up to $1,500 quarterly spend with activation), 5% travel via Chase, 3% dining and drugstores, 1% all other purchases

What it does well

  • 5% cash back on rotating quarterly bonus categories (up to $1,500/quarter with activation)
  • 3% cash back on dining and drugstores with $0 annual fee
  • Pairs with Chase Sapphire cards to convert cash back into Ultimate Rewards travel points

Where it gives ground

  • Requires manual category activation each quarter
  • 3% foreign transaction fee on international purchases

Compare it head to head

The fastest way to decide is against the product you are actually cross shopping. Showing 4 of 15 published matchups.

Credit cards8 differing specs

American Express Gold Card

$325/yr

Chase Freedom Flex

$0/yr

Chase leads on 2 of 3 rankable specs and charges less a year.

See the breakdown
Credit cards9 differing specs

The Platinum Card from American Express

$695/yr

Chase Freedom Flex

$0/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown
Credit cards7 differing specs

Bilt World Elite Mastercard

$0/yr

Chase Freedom Flex

$0/yr

Evenly split on rankable specs, so price and taste decide it.

See the breakdown
Credit cards7 differing specs

Capital One SavorOne Cash Rewards

$0/yr

Chase Freedom Flex

$0/yr

Capital One leads on 2 of 3 rankable specs.

See the breakdown

Full specifications

Fees & Rates

Annual fee
$0
Regular APR
20.49% – 29.24% Variable APR
Foreign transaction fee
3% of each transaction in U.S. dollars
Late fee
Up to $40

Rewards & Perks

Rewards rate
5% on quarterly rotating categories (up to $1,500 quarterly spend with activation), 5% travel via Chase, 3% dining and drugstores, 1% all other purchases
Sign-up bonus
$200 cash back (20,000 Ultimate Rewards points) after spending $500 in first 3 months
Intro APR offer
0% Intro APR for 15 months from account opening on purchases and balance transfers
Lounge access
No

Card Details

Credit neededOur summary
Good to Excellent (670–850)
Network
Mastercard (World Elite Mastercard)
Card figures are from issuer materials and go stale. Credit-needed bands are our summary.Official Chase Freedom Flex terms (opens in a new tab)

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

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Frequently asked

How much does Chase Freedom Flex cost?

Chase Freedom Flex has an annual fee of $0/yr (catalog snapshot as of 2026-09-01). This is based on published issuer terms and is not a live financial offer.

What are Chase Freedom Flex’s key specs?

Key specifications for Chase Freedom Flex include annual fee ($0) and rewards rate (5% on quarterly rotating categories (up to $1,500 quarterly spend with activation), 5% travel via Chase, 3% dining and drugstores, 1% all other purchases).

What does Chase Freedom Flex compare against?

Chase Freedom Flex is compared head to head against American Express Gold Card vs Chase Freedom Flex, The Platinum Card from American Express vs Chase Freedom Flex, Bilt World Elite Mastercard vs Chase Freedom Flex, Capital One SavorOne Cash Rewards vs Chase Freedom Flex, Capital One Venture X Rewards vs Chase Freedom Flex, and Chase Freedom Flex vs Blue Cash Everyday Card from American Express.