Chase Freedom Flex®

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