Rated 4.5/5 stars by our editorial team
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3.7/5.0 from 104 Offer Ratings
Over the Past 60 Days!
Regular Purchase APR
14.99% - 23.74% Variable
Intro Purchase APR
0% Intro APR on Purchases for 15 months
Intro BT APR
Typical Credit Needed
Foreign Transaction Fee
3% of each transaction in U.S. dollars
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance Fee
Either $10 or 5% of the amount of each transaction, whichever is greater.
$0 Fraud Liability
Auto Rental Insurance
Extended Warranty Program
Flight Accident Insurance
Lost Luggage Reimbursement
Editorial Disclaimer: This content is not provided by the bank advertiser. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer's Affiliate Program.
The generous cashback rate on quarterly rotating categories as well as travel purchases through Chase and dining and drugstore spending, combined with its generous intro APR offer for purchases and sign-up bonus make the Chase Freedom Flex℠ a very attractive choice to add to your wallet, especially since it comes with a $0 annual fee.
With the Chase Freedom Flex℠, earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through chase, 3% on dining and drugstores, and 1% on all other purchases. Dining includes takeout and eligible delivery services. The quarterly rotating categories in 2020 have included Amazon.com, Whole Foods Market, select streaming services, gas stations, Walmart and PayPal, gym memberships and more. There is a $0 annual fee, and new cardholders can earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening. and earn 5% cash back on grocery store purchases (not including target® or walmart® purchases) on up to $12,000 spent in the first year. As if that wasn’t enough, the Chase Freedom Flex℠ is also offering a 0% Intro APR on Purchases for 15 months. After, a 14.99% - 23.74% Variable APR will apply. Additional benefits include auto rental collision coverage, trip cancellation/interruption insurance, travel and emergency assistance, extended warranty and purchase protections.
There’s not much to not like about the Chase Freedom Flex℠. The only downsides are that the card does charge a foreign transaction fee of 3% of each transaction in U.S. dollars, and cardholders are required to activate the rotating spending categories every quarter to qualify for the 5% cashback rate on those.
Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Chase.
3.7 out of 5.0