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The Chase Freedom Flex℠ is a no-annual-fee rewards card that offers rotating 5% cashback categories, making it one of the most versatile cards in Chase’s lineup. With additional fixed bonus categories and access to the Chase Ultimate Rewards® program, it provides excellent value for everyday spending.
The Freedom Flex℠ is built for consumers who want high cashback potential without paying a yearly fee. By combining rotating categories with Chase’s fixed bonus rewards, it allows cardholders to maximize earnings across multiple areas of spending.
What Is The Chase Freedom Flex℠?
The Freedom Flex℠ is a Mastercard credit card issued by Chase. Its main feature is 5% cashback on rotating quarterly categories, up to $1,500 in combined purchases each quarter (activation required). Popular categories often include groceries, gas, streaming, dining, and online shopping.
In addition to rotating categories, the card offers:
- 5% on travel purchased through Chase Ultimate Rewards®
- 3% on dining, including takeout and delivery
- 3% on drugstores
- 1% on all other purchases
Main Benefits
- 🔄 5% cashback on rotating quarterly categories
- ✈️ 5% on travel via Chase Ultimate Rewards®
- 🍽️ 3% on dining and takeout
- 💊 3% on drugstores
- 💳 1% on everything else
- 🎁 Sign-up bonus for new cardholders (varies)
- 🌎 No annual fee
- 🛡️ Purchase protection and extended warranty
Who Can Apply
The Chase Freedom Flex℠ is available to U.S. residents with good to excellent credit. It’s best for consumers who want to maximize cashback while keeping costs low. Because it has no annual fee, even occasional use can deliver strong value.
Fees And Rates
- 💰 No annual fee
- 💸 Variable APR depending on creditworthiness
- 🌍 3% foreign transaction fee (not ideal for international use)
- 💵 Balance transfer and cash advance fees
How Cashback Works
Cashback is earned as points in the Chase Ultimate Rewards® system, which can be redeemed for statement credits, direct deposits, travel bookings, gift cards, or shopping with partners. Cardholders who also have a premium Chase card (like Sapphire Preferred® or Reserve®) can transfer points for greater redemption value.
Why It Stands Out
The Freedom Flex℠ offers an impressive blend of flexibility and value. With 5% rotating categories and additional fixed rewards, it outperforms many no-annual-fee cards. When paired with a Chase Sapphire card, points can be worth even more through travel redemptions or transfers to airline and hotel partners.
EARN CASHBACK ON EVERYDAY SPENDINGFAQ – Frequently Asked Questions
1. What is the annual fee?
There is no annual fee.
2. How does the 5% category system work?
Categories rotate quarterly, requiring activation.
3. What is the limit for 5% earnings?
Up to $1,500 per quarter in combined purchases.
4. What do I earn on dining?
3% cashback on restaurants and takeout.
5. Do drugstores earn bonuses?
Yes, 3% cashback.
6. Do travel bookings earn more?
Yes, 5% on travel through Chase Ultimate Rewards®.
7. What do I earn on other purchases?
1% cashback.
8. Can I combine points with other Chase cards?
Yes, with premium cards like Sapphire Preferred® or Reserve®.
9. Does it charge foreign transaction fees?
Yes, 3% per transaction.
10. Do cashback rewards expire?
No, as long as the account is open.
Conclusion
The Chase Freedom Flex℠ is one of the best no-annual-fee cashback cards available. Its rotating 5% categories allow for big earnings in everyday areas like groceries, dining, and online shopping.
While the 3% foreign transaction fee limits its international use, the card shines for U.S. consumers who want strong cashback without ongoing costs. Paired with other Chase cards, its value can increase even further through travel redemptions.
Overall, the Freedom Flex℠ is a must-have for budget-conscious consumers who want flexibility, high cashback, and zero annual fees.