Freedom Flex®: Up to 5% Cashback on Quarterly Rotating Categories
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Chase Freedom Flex® is a great no-annual-fee card for people willing to track rotating bonus categories to earn higher cashback. It offers 5% on quarterly rotating categories, plus bonus rewards on dining and drugstores. It works especially well if you already use Chase cards or plan to add more later. This card is not ideal if you want fully predictable, hands-off rewards with no category tracking. If you’re okay with a little effort for higher rewards, it’s a solid no-fee option.
Freedom Flex®
Apply now
On Chase's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.24% - 27.74% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.
Chase Pay Over Time®
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. Plus, earn 5% cashback on Chase Travel, 3% on dining and drugstore purchases, and 1% on all other purchases.
1% - 5% Cashback
Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.
$200
Earn 5% cashback on quarterly rotating categories (up to $1,500 per quarter) – worth up to ~$300 per year in rewards.
Welcome Offer
- Earn a $200 bonus after spending $500 in the first 3 months.
Rewards
- 5% Cashback on Quarterly Rotating Categories: Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. See current categories here.
- 5% Cashback on Chase Travel purchases.
- 3% Cashback Categories:
- Dining, including takeout and eligible delivery services.
- Drugstore purchases.
- 1% Cashback on all other purchases.
Redemption Options
- Flexible Redemption Options: Redeem cashback as a statement credit or direct deposit with no minimums, or use it for travel, gift cards, and purchases at Amazon.com. Cash rewards do not expire.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening.
- Regular APR: After the introductory period, a variable APR of 18.24% - 27.74% applies to purchases and balance transfers.
- Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days.
- Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Travel Protections
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary and provides reimbursement up to $60,000.
- Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
Travel & Emergency Assistance
- Roadside Assistance: Dispatch service available; service fees apply.
- Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered)
Purchase Protections
- Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
- Extended Warranty: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
- Cell Phone Protection: Get up to $800 per claim and $1,000 per year in coverage for damage or theft when you pay your monthly cell phone bill with your eligible card. Coverage is subject to a $50 deductible and limited to 2 claims per year.
Lifestyle Perks
- DoorDash DashPass Membership: Enjoy 6 months of complimentary DashPass for DoorDash and Caviar, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027; enrollment auto-renews at the standard rate.
- Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
- 2% Cashback on Lyft: Earn 2% cashback on Lyft rides through September 30, 2027.
Shopping & Savings
- Chase Offers: Activate personalized deals from popular merchants and earn automatic cashback when you use your card.
Buy Now, Pay Later Options
- Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.
Additional Features
- Free credit score access.
Terms and Conditions
- Click Apply Now to see the terms and conditions.
EarnSmart Cashback Strategy
- Chase Freedom Unlimited®: Earn unlimited 1.5% cashback on all purchases with no category caps. A strong complement to Freedom Flex®, which earns 5% cashback on quarterly rotating bonus categories (activation required). 👉 Learn more about Chase Freedom Unlimited®.