Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!
Chase Freedom Flex® Review: The Ultimate Cash Back Card for Savvy Spenders
February 6, 2025
In today's dynamic credit card landscape, the Chase Freedom Flex® stands out as a compelling option for rewards enthusiasts. This comprehensive review will help you determine if this versatile cash-back card deserves a spot in your wallet.
What Is The Chase Freedom Flex®?
The Chase Freedom Flex® is a no-annual-fee credit card that offers an innovative rewards structure combining rotating 5% quarterly bonus categories with fixed reward rates in popular spending categories. Launched as a Mastercard product, it builds upon the success of Chase's renowned rewards program while introducing new benefits and earning opportunities.
Chase Freedom Flex® Pros & Cons
Pros:
- Earn 5% cash back on rotating quarterly categories (up to $1,500 in combined purchases)
- 5% back on travel purchased through Chase TravelSM
- 3% back on dining and drugstore purchases
- No annual fee
- Generous welcome bonus: $200 after spending $500 in the first 3 months
- 0% intro APR for 15 months on purchases and balance transfers
- Cell phone protection up to $800 per claim
- Complimentary DashPass subscription for 3 months
Cons:
- Must activate quarterly bonus categories before the activation deadline
- 3% foreign transaction fee
- Requires good to excellent credit score
- Subject to Chase 5/24 rule
- Quarterly categories have spending caps
Who Is The Chase Freedom Flex® For?
The Chase Freedom Flex® is ideal for cardholders who:
- Enjoy maximizing rewards through rotating bonus categories
- Want to pair it with premium Chase cards like the Chase Sapphire Preferred® Card for the Chase trifecta
- Frequently dine out and make drugstore purchases
- Prefer the flexibility of cash back or Ultimate Rewards® points
- Don't want to pay an annual fee
Comparing The Chase Freedom Flex® With Other Credit Cards
When considering the Chase Freedom Flex®, it's helpful to compare it with other popular options in the cashback credit card category:
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores, 1.5% on all other purchases
- Standout feature: Flexible redemption options including cash back, travel, and gift cards
Capital One Savor Cash Rewards Credit Card (rates & fees):
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 3% on dining, entertainment, popular streaming services, and grocery stores
- Standout feature: No foreign transaction fees
Blue Cash Everyday® Card from American Express (rates & fees):
- Annual fee: $0
- Welcome offer: Cash bonus after meeting spending requirements
- Key rewards: 3% at U.S. supermarkets (up to $6,000 per year, then 1%), 3% cash back up to $6,000 per year, then 1%. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout
- Standout feature: This card offers a generous intro of APR on purchases and balance transfers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Chase Freedom Flex® excels in introducing new benefits and earning opportunities
- Chase Freedom Unlimited® offers diverse category bonuses
- Capital One Savor Cash Rewards Credit Card rewards dining and entertainment spending
- Blue Cash Everyday® Card from American Express provides strong rewards on everyday purchases
[[ CARD_LIST * {"ids": ["497","3041", "260"]} ]
Consider Using Kudos
To maximize your rewards with the Chase Freedom Flex® and other credit cards, consider downloading Kudos, a free AI-powered browser extension. Kudos automatically recommends the best card to use for each purchase, ensuring you never miss out on bonus category earnings or special promotions.
They're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The Chase Freedom Flex® represents exceptional value for cardholders who appreciate maximizing rewards through rotating categories and fixed bonus rates. Its integration with Chase Ultimate Rewards® makes it particularly valuable as part of a multi-card strategy. While it requires some effort to track and activate quarterly categories, the potential rewards justify the minimal maintenance required.
Chase Freedom Flex® FAQ
What is the Chase Freedom Flex®'s variable APR?
The ongoing variable APR ranges from 19.49% to 28.24%, based on your creditworthiness.
How do I activate quarterly bonus categories?
Log into your Chase account or use the Chase mobile app to activate your quarterly bonus categories before the activation deadline.
Can I transfer Chase Ultimate Rewards® points to travel partners?
You'll need to pair the Freedom Flex® with a premium Chase card like the Sapphire Preferred to enable point transfers to hotel and airline loyalty programs.
What credit score do I need for the Chase Freedom Flex®?
A good to excellent credit score (670 or higher) is typically required for approval.
Does the Chase Freedom Flex® offer purchase protection?
Yes, the card includes purchase protection, extended warranty protection, and zero liability protection against unauthorized charges.
Can I product-change to the Chase Freedom Flex®?
Yes, existing Chase cardholders may be eligible to product-change to the Freedom Flex®, subject to account behavior and eligibility requirements.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
