The Chase Freedom Flex℠ is a powerhouse cashback credit card that combines flexibility, value, and a wide range of rewards, making it an excellent choice for consumers seeking to maximize their spending power.

Whether you’re a frequent diner, a savvy shopper, or someone who enjoys planning trips, this card has something to offer.

By blending rotating bonus categories with fixed-rate rewards on everyday purchases, the Freedom Flex℠ caters to both strategic and casual spenders.And the best part? It comes with no annual fee, ensuring that all your rewards go straight to your wallet.

Designed with both everyday purchases and special expenses in mind, the Freedom Flex℠ also provides premium benefits like purchase protection and cell phone insurance, making it a standout in its category.

Its integration with Chase Ultimate Rewards adds even more versatility, allowing you to redeem your cashback for travel, gift cards, or direct cash deposits.

Looking for a credit card that rewards you for your lifestyle while keeping costs low? The Chase Freedom Flex℠ might be the perfect fit—apply today and start earning rewards right away!

Key Features of the Chase Freedom Flex℠

Rotating Bonus Categories (5% Cashback)

The Freedom Flex℠ offers 5% cashback on up to $1,500 in combined purchases in quarterly bonus categories. These categories change every three months and must be activated online or via the Chase app to earn the enhanced rewards.

• Examples of Past Bonus Categories:
  • Grocery stores
  • Gas stations
  • Select streaming services
  • Fitness memberships

After reaching the $1,500 limit, purchases in the bonus categories earn 1% cashback.

Fixed Bonus Categories

In addition to the rotating categories, the card offers fixed rewards in the following areas:

• 5% Cashback: Travel booked through Chase Ultimate Rewards®.
• 3% Cashback: Dining (including takeout and eligible delivery services) and drugstore purchases.
• 1% Cashback: On all other purchases.

Sign-Up Bonus

New cardholders can earn a $200 bonus after spending $500 on purchases in the first three months from account opening.

Additional Benefits

Introductory APR Offer

Enjoy 0% introductory APR on purchases and balance transfers for the first 15 months. After that, a variable APR of 19.74% to 28.49% applies.

Chase Ultimate Rewards®

Cashback rewards are earned as points in the Chase Ultimate Rewards program, which can be redeemed for:

• Cash (as statement credit or direct deposit)
• Travel bookings
• Gift cards
• Shopping with points

If you also hold a premium Chase card (e.g., Chase Sapphire Preferred® or Reserve®), you can transfer points between accounts and redeem them for travel at a higher value.

Cell Phone Protection

Pay your monthly cell phone bill with the Freedom Flex℠ to get coverage against theft or damage, up to $800 per claim and $1,000 per year. A $50 deductible applies.

Purchase Protection

Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.

Extended Warranty Protection

Extends the original U.S. manufacturer’s warranty by one additional year on eligible warranties of three years or less.

Who Should Consider the Chase Freedom Flex℠?

Cashback Enthusiasts: Ideal for those who want to maximize rewards in both rotating and fixed categories.

Dining and Drugstore Shoppers: The 3% cashback in these categories provides consistent rewards for everyday spending.

Travelers Who Book Through Chase: The 5% cashback on travel purchases through Chase Ultimate Rewards adds extra value.

People Seeking No-Fee Cards: This card offers premium benefits without the burden of an annual fee.

---

How to Apply for the Chase Freedom Flex℠

Applying for the Chase Freedom Flex℠ is a straightforward process that can be completed in just a few steps. Here’s how to get started:

1. Visit the Official Website
   • Go to the Chase Freedom Flex℠ page on the Chase website.
2. Check Eligibility
   • Ensure you meet the basic requirements:
     • You must be at least 18 years old (19 in Alabama or Nebraska).
     • You need a valid Social Security Number or Individual Taxpayer Identification Number (ITIN).
     • A U.S. address is required.
3. Gather Your Information
   • Before starting your application, have the following details ready:
     • Personal information: Full name, date of birth, and contact information.
     • Employment and income details.
     • Social Security Number or ITIN.
4. Complete the Online Application
   • Fill out the application form with your personal and financial information.
   • Review the terms and conditions carefully before submitting.
5. Submit Your Application
   • Once all fields are completed, submit the application. Most applicants receive a decision instantly, but some cases may require additional time for review.
6. Activate Your Card
   • If approved, you’ll receive your card in the mail within 7–10 business days. Upon receipt, activate your card via the Chase website or app to start using it.

Pro Tip:
For the best chance of approval, ensure your credit score aligns with the recommended range of good to excellent (670+ FICO® Score) and maintain a low debt-to-income ratio.

Start your application today and unlock the rewarding benefits of the Chase Freedom Flex℠!

You will be redirected to another site.

---

How to Maximize the Chase Freedom Flex℠

Activate Rotating Categories: Ensure you activate the bonus categories each quarter to take full advantage of the 5% cashback.

Pair with Other Chase Cards: If you hold a premium Chase card (e.g., Sapphire Preferred®), transfer your points to enhance their redemption value.

Pay Your Cell Phone Bill: Use the card to pay your cell phone bill and benefit from the included insurance coverage.

Track Bonus Limits: Monitor your spending in the rotating categories to maximize rewards without exceeding the $1,500 cap.

Avoid Foreign Transactions: Use a no-foreign-transaction-fee card when traveling abroad.

Conclusion

The Chase Freedom Flex℠ is a standout choice for anyone looking to earn significant cashback across a variety of spending categories. With its unique blend of rotating and fixed rewards, coupled with valuable cardholder benefits, it’s a versatile and cost-effective option. However, the card is best suited for individuals who are willing to actively manage their rewards by tracking and activating bonus categories.

For those looking for a no-annual-fee card that delivers both flexibility and generous rewards, the Chase Freedom Flex℠ is a top contender in 2025.

Read more: Chase Freedom Unlimited®: Maximize Cashback on Every Purchase

---

FAQ

What is the Chase Freedom Flex℠ card?

The Chase Freedom Flex℠ is a cashback credit card that offers 5% cashback on rotating quarterly categories (up to $1,500 per quarter), fixed rewards on dining, drugstores, and travel through Chase Ultimate Rewards, plus 1% on all other purchases—all with no annual fee.

How do the rotating bonus categories work?

The 5% cashback categories change every quarter and must be activated online or through the Chase app. Once activated, you’ll earn 5% cashback on up to $1,500 in combined purchases within the bonus categories. After reaching the limit, purchases earn 1% cashback.

Does the Chase Freedom Flex℠ have an annual fee?

No, the Chase Freedom Flex℠ has no annual fee, making it an excellent choice for maximizing cashback without incurring additional costs.

What credit score is required to apply for the card?

A good to excellent credit score (typically 670 or higher) is recommended to qualify for the Chase Freedom Flex℠.

Can I use this card for international travel?

While the Chase Freedom Flex℠ is accepted worldwide, it charges a 3% foreign transaction fee, making it less ideal for use abroad. Consider using a no-foreign-transaction-fee card for international purchases.