Chase Freedom Flex® 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Chase Freedom Flex®4.2/5

Chase

Annual fee
$0
Rewards rate
5%-1%
Welcome Bonus
$200
Apply Now →on Chase's website
Regular APR:18.24%-27.74% Variable APR

  • 5%Cash back on rotating bonus categories
  • 3%Cash back on dining
  • 1%Cash back on all other purchases

Welcome Bonus:

Earn a $200 bonus after you spend $500 on purchases in the first 3 months.

Reward Rate:

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, 3% on dining, and 1% on all other purchases.

APR:

18.24%-27.74% Variable APR

The Chase Freedom Flex® card is a versatile cash back card that offers impressive rewards on rotating categories, making it ideal for those who want to maximize their cash back potential. Its no annual fee structure and generous welcome bonus further enhance its attractiveness for new cardholders.

Pros:

  • No annual fee
  • High cash back potential with bonus categories

Cons:

  • Requires activation for bonus categories
  • Spending cap on bonus categories
Apply now →

The Chase Freedom Flex® is a suitable option for individuals who are looking to earn cash back without incurring an annual fee and who are willing to actively manage their spending across rotating categories. With its competitive rewards structure and welcome bonus, it can be particularly beneficial for those who frequently engage in eligible spending in bonus categories and are seeking to optimize their cash back rewards.

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