Chase Freedom Flex
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn a $200 cash back bonus (equivalent to 20,000 Ultimate Rewards points) after you spend $500 on purchases in the first 3 months from account opening; offer is unavailable to existing Freedom Flex cardmembers and to anyone who received a new cardmember bonus for this card in the past 24 months
Benefits and fees last verified Jun 2026against the issuer's published terms.
$200 cash back once $500 of spend posts within your first 3 months. No annual fee.
- Annual fee
- No annual fee
Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.
Worth it only if you'll actually activate the rotating 5% categories every quarter. If you won't, the Freedom Unlimited earns more on everyday spend with zero effort.
Earning Rates
At a glance
- 5% rotating categories
- 3% dining + drugstores
- No annual fee
- Cell phone protection
Important considerations
- Charges foreign transaction fees
This card adds a foreign transaction fee on purchases made outside the United States, so it is a poor fit for spending abroad. Carry a no foreign transaction fee card for international trips.
Based on this card's terms last verified Jun 2026.
Earning rates
5- 5%
5% cash back on up to $1,500 in combined purchases in rotating bonus categories each quarter that you activate (effective annual cap is $300 cash back from rotating 5% earnings if you max each of the four quarters; activation is required by the quarterly deadline, and spend beyond the $1,500 quarterly cap or in the wrong category earns the base 1% rate)
- 5%lodging
5% cash back on travel purchased through Chase Travel, the Chase Travel portal (rate is automatic with no activation required and no annual cap on this category; includes flights, hotels, car rentals, activities, and cruises booked through Chase Travel)
- 3%dining
3% cash back on dining at restaurants, including takeout and eligible delivery services (no annual cap on this category; covers most dining merchants coded as restaurants by Visa/Mastercard MCC including fast food and bars)
- 3%groceries
3% cash back on drugstore purchases (no annual cap on this category; covers stand-alone drugstores such as Walgreens, CVS, and Rite Aid based on merchant category code, not grocery stores or big-box stores with pharmacies inside)
- 1%everything else
1% cash back on all other purchases that do not fall into a 5% or 3% category, with no spending caps
Statement credits
2- $200Cash back is technically earned as Ultimate Rewards points at 1 cent per point (so a $200 cash back bonus equals 20,000 Ultimate Rewards points) and can be redeemed for statement credit, direct deposit to most U.S. checking and savings accounts, gift cards, Apple products through Chase, Pay With Points at Amazon.com, or travel through Chase Travel at a flat 1 cent per point baseline; rewards do not expire as long as the account remains open, but all unredeemed rewards are forfeited if the account is closed
- Pay Yourself Back
Pay Yourself Back: officially discontinued by Chase for new redemptions; current redemption substitute is Chase Travel's Points Boost on select prepaid hotels and flights when paired with a premium Sapphire card, otherwise Freedom Flex points redeem at 1 cent each toward statement credit, gift cards, or Chase Travel bookings
Perks & memberships
3- Authorized users$0 annual fee on the primary card and on authorized users (Chase does not charge an annual fee on Freedom Flex, and adding authorized users is free; the primary cardmember earns rewards on all authorized-user spend into a single account)
- No foreign feesForeign transaction fees: 3% of each transaction in U.S. dollars on Freedom Flex, making it a poor choice for purchases made outside the United States (this is a key difference from Chase Sapphire Preferred, Chase Sapphire Reserve, and Capital One Venture / Venture X, all of which charge $0 foreign transaction fees)
- Card networkLegacy product note: the original Chase Freedom (Visa Signature) is no longer open to new applicants; existing Chase Freedom cardholders may keep the legacy card or product-change to the Freedom Flex, and the rotating 5% category structure and quarterly cap is identical between the two legacy and current products
Travel & purchase protections
10- Cell Phone Protection: up to $800 per claim and up to $1,000 per 12-month period against covered theft or damage when you pay your monthly cell phone bill with the Freedom Flex, with a $50 deductible per claim and a maximum of two claims per 12-month period (this benefit is offered on Freedom Flex but NOT on its sister card Freedom Unlimited, a meaningful product differentiation)
- Purchase Protection: covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $500 per claim and up to $50,000 per account (for New York residents, the coverage period is 90 days from the date of purchase per Chase's state-specific disclosures)
- Extended Warranty Protection: extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase
- Trip Cancellation and Interruption Insurance: reimbursement of up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares when a trip is canceled or cut short by sickness, severe weather, or other covered situations (this is significantly lower than the Sapphire Preferred limits of $10,000 per traveler / $20,000 per trip, but is offered on Freedom Flex)
- Auto Rental Collision Damage Waiver: secondary collision damage waiver in the United States and primary CDW abroad when you decline the rental company's collision insurance and charge the entire rental cost to the card; covers theft and collision damage on most rental cars for up to the actual cash value of the vehicle
- Travel and Emergency Assistance Services: legal and medical referrals and access to other travel and emergency assistance services while traveling away from home (the cardholder is responsible for the cost of any goods or services obtained)
- Roadside Dispatch: pay-per-use roadside assistance service available 24/7 (services such as towing, tire changes, jump starts, lockout service, and fuel delivery are billed to the cardholder at a flat per-service fee; the dispatch service itself is complimentary)
- Mastercard World Elite network benefits: Freedom Flex is issued on the Mastercard World Elite tier and includes Mastercard ID Theft Protection, Priceless Experiences, Priceless Golf, Mastercard Travel & Lifestyle Services (concierge-like booking benefits at select hotels), Lyft credit promotions when applicable, and access to other World Elite merchant offers
- 24/7 Fraud Monitoring: Chase monitors your account for unusual purchases and will text, email, or call you if suspected fraud is detected
- Zero Liability Protection: you will not be held responsible for unauthorized charges made with your card or account information (does not apply to use of an account by an authorized user)
More benefits & fine print (1)ShowHide
- Current rotating 5% category for Q2 2026 (April through June, activation required): historically Chase has paired Q2 with categories like grocery stores (excluding Target and Walmart), gas stations and EV charging, Amazon.com, and select streaming services; exact category list rotates each quarter and must be confirmed at chase.com/freedom each calendar quarter since Chase does not publish the full year of categories in advance
Before you decide, weigh alternatives
This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.
How we verified this card (2 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
Transfer Partners
Full guide →Chase Ultimate Rewards points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
How to Earn the Bonus
Spend $500 in the first 3 months to earn the $200 cash back bonus.
See the Current Offer
Earn $200 cash back
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Have a trip in mind?
Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.