Last updated: 8/30/2022

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Chase Freedom Flex

Earns: Cash Back


A good cash back card. Bonus categories change every quarter and offer 5% cash back, a great rate, but it can be confusing and is limited to $1,500 in purchases. Consider the simpler Chase Freedom Unlimited instead.

This card is best for:

  • Dining
  • Drugstores

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Here’s how much you would earn with this card

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per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

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${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus

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Welcome Bonus${{welcomeBonusAmount | number}}


  • Each quarter a different spending category earns 5% cash back.
  • No annual fee.


  • Can be confusing to track bonus categories.
  • 1% cash back on regular spending is low.

See how the Chase Freedom Flex compares to other credit cards

Chase Freedom Flex Other Cards

Hover the dots to view other Credit Cards

Reward Rate = 3x

Value = 1 cent per point
Effective Value = 3 %


Reward Rate = 3x

Value = 1 cent per point
Effective Value = 3 %


Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %


Welcome Bonus = 20,000

Value = 1 cent per point
Effective Value = $200


Annual Fee = $0

Welcome Bonus


Bonus Rating

Cash Back

After you spend $500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
3% Dining

Very Good

very good

3% Drugstores




In the top 15% of cards.

1% All Other



Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Cash Back
Gigapoints Value
1¢ per point
Other Card Information

Cardholders earn 5% on up to $1,500 in combined purchases in bonus categories each quarter you activate.
Cardholders also earn 5%on travel purchased through Chase Ultimate Rewards.

Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

The Fine Print

INTRO APR FOR PURCHASES 0% for 15 months
PURCHASES APR 17.24% – 25.99%
BALANCE TRANSFER FEE 5% of the amount of each transaction, but not less than $5.
CASH ADVANCE APR 27.24% Variable
CASH ADVANCE FEE 5% of the amount of each transaction, but not less than $10