Chase Freedom Flex®

Issuer

Chase

Network

Mastercard

Regular APR

19.74% - 28.49%

Credit Score

690 - 850 (Good - Excellent)

Rewards Rate Details

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Chase Travel®, 3% on dining and drugstores, and 1% on all other purchases.

Intro Offer Details

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Pros

• No annual fee
• Lengthy introductory APR period for large purchases or balance transfers
• High earning rates on rotating bonus categories
• Ongoing rewards for purchases
• New cardholder bonus offer
• Additional benefits: cell phone protection, extended warranties, trip insurance, and food delivery perks
• Great travel protections and benefits without an annual fee
• Flexible rewards when paired with other Chase cards

Cons

• Requires activation of rotating categories every quarter
• Earnings in bonus categories are capped at $1,500 per quarter
• Requires good/excellent credit for approval
• Complicated rewards system for some users
• Needs to be paired with higher-tier Chase cards for maximum travel rewards
• Rewards are limited to cashback unless linked to Chase Ultimate Rewards