Chase Freedom Flex Credit Card

Chase Freedom Flex

Last Updated: 02/26/2026

Rating
4.1 / 5
Sign Up Bonus
$200
Annual Fee
$0
Credit Score
Good

Summary

Sign-Up Bonus
5
Spending Multipliers
4.5
Credits & Features
1.5
Fees
4.5
Application
4
Issuer
NaN

The Chase Freedom Flex Credit Card is a no-annual-fee rewards card designed for consumers who want rotating bonus categories and comprehensive purchase protections. Cardholders earn 5x cash back on quarterly rotating categories (up to $1,500 per quarter), making it ideal for shoppers who can maximize seasonal or promotional spending, along with 1x cash back on all other purchases. The card also offers strong protections, including cell phone coverage up to $800 per claim, purchase protection up to $500 per claim, and extended warranty coverage, plus travel benefits like auto rental collision damage waiver and trip cancellation/interruption insurance up to $1,500 per person and $6,000 per trip. Additional perks include 6 months of DashPass through December 31, 2027. While a 3% foreign transaction fee and quarterly category limits may reduce value for some users, the Chase Freedom Flex is best suited for savvy shoppers who can leverage rotating categories, want versatile cash back opportunities, and benefit from strong protections without paying an annual fee.

Pros

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No annual fee
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Cell phone protection up to $800 per claim and $1,000 per year
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Purchase protection up to $500 per claim and $50,000 per account
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Extended warranty

Cons

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3% foreign transaction fee
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$1,500 cap on quarterly categories
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5x quarterly categories might not provide value in all quarters
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Only 1x all category

Issuer

Spending Multipliers

Credits & Features

6 months DashPass until December 31, 2027
Auto rental collision damage waiver
Trip cancellation/interruption insurance up to $1,500 per person and $6,000 per trip

Application

  • Chase has a strict 5/24 rule, meaning you will be rejected if you opened 5 or more cards in the past 24 months
  • Welcome bonus is only available if you don’t have this card and did not open this card in the last 24 months
  • Consider having at least a credit history for 9 months and avoid applying for more than 2 Chase cards in 30 days

Fees

  • No Annual Fee
  • 3% Foreign Transaction Fee
  • Up to $40 late fee
  • Up to $40 return payment fee
  • 18.24% - 27.74% Variable APR
  • 28.49% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
  • 18.24% - 27.74% APR for Balance Transfer
  • $5 or 5% of each transfer amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process