Chase Freedom Flex
A no-fee card with 5% rotating quarterly categories on up to $1,500 in spend, plus bonus dining and drugstore rewards.
Why it ranks
- No annual fee
- High 5% rotating rewards
- Cell phone insurance
What holds it back
- Must activate categories each quarter
- $1,500 quarterly cap on 5%
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A no-fee card with 5% rotating quarterly categories on up to $1,500 in spend, plus bonus dining and drugstore rewards.
Chase Freedom Flex at a glance
| Issuer | Chase |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Cash bonus after the minimum spend |
| Rewards rate | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3% dining & drugstores, 1% other |
| Intro APR | 0% intro APR on purchases for 15 months |
| Regular APR | 19.49%–28.24% variable |
| Foreign transaction fee | 3% |
| Credit needed | Good (690+) |
| Best for | People who can track and activate rotating 5% categories |
| Airport lounge access | No |
Rewards & benefits
- Quarterly 5% categories
- Cell phone protection
- Pairs with Sapphire for transfers
Eligibility & who it suits
- Good credit score
- Subject to Chase 5/24 rule
How to apply
Check current rates on Chase’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) | |
| 2 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 3 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 4 | CCitiDouble CashNo annual fee · US Citi Double Cash CardFlat-rate maximizers and debt payoff |
None | 1% when you buy + 1% when you pay = up to 2% on all purchases | Cash back welcome offer | 3% | Good (690+) |
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