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:18.49%-27.99% Variable APR

  • 5%Cash back on rotating quarterly categories
  • 5%Cash back on travel purchased through Chase
  • 3%Cash back on dining and drugstores
  • 1%Cash back on all other purchases

Welcome Bonus:

Earn $200 cash back after spending $500 on purchases in the first three months.

Reward Rate:

Earn 5% cash back on rotating quarterly categories (up to $1,500), 5% on travel via Chase, 3% on dining & drugstores, and 1% on everything else.

APR:

18.49%-27.99% Variable APR

The Chase Freedom Flex® excels with its flexible cash back structure, offering 5% on rotating categories that can significantly boost rewards for savvy spenders. Its lack of an annual fee and the ability to earn cash back on travel through Chase makes it an attractive option for those looking to maximize their earnings without upfront costs.

Pros:

  • No annual fee
  • High rewards on rotating categories

Cons:

  • Requires activation for bonus categories
  • Limited to quarterly categories
Apply now →

The Chase Freedom Flex® is well-suited for individuals who are adept at managing spending across varying categories and can take advantage of the rotating 5% cash back offers. Its zero annual fee and robust rewards structure make it a compelling choice for budget-conscious consumers seeking to optimize their cash back earnings.

Frequently Asked Questions