Best for rotating categories

The Chase Freedom Flex is a great all-around card for beginners and fans of cash back. It’s easier to be approved for than many top-tier cards from Chase and Amex, and it offers a great array of benefits for a no-annual-fee card. (Partner offer)

At a glance

  • 5% Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • 3% Earn 3% on dining and drugstores.
  • 1% Earn 1% on all other purchases.
$200
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Up to 29.99%
24.99% Variable
14.99 - 23.74% Variable
14.99 - 23.74% Variable
0% Intro APR on Purchases for 15 months
$0

At a glance

  • 5% Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • 3% Earn 3% on dining and drugstores.
  • 1% Earn 1% on all other purchases.
$200
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Up to 29.99%
24.99% Variable
14.99 - 23.74% Variable
14.99 - 23.74% Variable
0% Intro APR on Purchases for 15 months
$0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

Our Take

TPG Editor's Rating

tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
3.5/5

Overview

The cash-back Chase Freedom Flex took the old Chase Freedom card and added new benefits and bonus categories. For a no-annual-fee credit card, it offers an impressive return across a number of spending categories, and the card becomes even more valuable when you pair it with a Chase Ultimate Rewards credit card.

Pros

  • For a no-annual-fee credit card, the Chase Freedom Flex does offer additional benefits for cardholders including cell phone protection and food delivery perks.
  • The card comes with a 0% intro APR period for 15 months on purchases (14.99%–23.74% variable APR applies after that).

Cons

  • You must remember to activate your bonus categories quarterly or risk not earning 5x on select purchases

Who is this card good for?

This credit card is great for any individuals who are beginning the cashback rewards game or building history with a bank. With different earning categories every quarter, card is also great for pairing as part of a larger credit card strategy for rewards experts. If you have a Chase Ultimate Rewards credit card such as the Chase Sapphire Preferred Card, the rewards you earn with the Freedom Flex can be converted to full-fledged Ultimate Rewards points, which doubles their value in TPG’s eyes

Earning Rewards

The Chase freedom Flex Card is packed with earning potentials that change quarterly. A quick rundown of the earning categories includes 5% on the first $1,500 spent on rotating categories each quarter (activation required), 5% on Lyft rides (through March 2022), 5% on travel booked through Chase Ultimate Rewards, 3% on dining, 3% on drug stores, and 1% on all other purchases. When paired with another Ultimate Rewards card, cashback can be transferred to Ultimate rewards points giving the card new life for those who may have moved on to higher tier rewards cards.

Frequently asked questions