Chase Freedom Flex Card Review

The Chase Freedom Flex card was designed for the everyday buyer and offers high reward rates. If you love getting every dollar matched to a point, this card is right up your alley. This card is ideal if you are looking for maximum rewards, benefits, and bonuses.

Written by : Updated On: August 4

The basics

Reward Rate:








All other purchases


5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.

5% cash back on travel purchased through Chase Ultimate Rewards®, their premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more

3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service

Unlimited 1% cash back on all other purchases.

Key Features:

Annual Fee


Intro APR

0% APR for the first 15 months

Regular APR

20.24%-28.99% Variable APR

Signup Bonus


$200 bonus plus 5% cash back at gas stations

Redemption ways


Redeemed through Ultimate Rewards on app or website

Our Verdict

Whether you are a health nut, love to travel, or simply love to buy things, this is the card for you. The 5% cash back crushes its competitors in addition to the large bonuses that will come your way. This is a special card, and the offers don’t stop.

When it comes to bonus categories, note that you must be meticulous with tracking the quarterly bonuses. If you are all about optimizing your rewards through careful tracking, then this card is for you. If not, a more straightforward card may be more fitting.

Best Suited for:


The Health Nut

Eat healthy, exercise, and take care of yourself is your mantra. You belong to the best gyms, follow all the latest healthy food recommendations, and make a trip to the drug store every week to purchase the latest supplements and vitamins.


Always on the Road

Travel is your middle name. When you aren’t taking advantage of transit for your daily commute in the form of cabs, rideshares and trains, you are looking for a weekend escape. And if there is an opportunity to go somewhere, you take it. You are into earning miles, getting hotel upgrades, eating out and making sure your car is always fueled.


The Foodie

If there is a new restaurant opening, you are there. You are all about the latest food fusion trend no one has heard of and putting it on the map. You love finding the best new restaurant but also like to go to your old standbys and earning cash back for all. And when you aren’t finding the best new restaurant, you are experimenting with recipes at home, so you also need a good card for reaping the rewards of grocery shopping.

Hidden perks

When you spend $1500 in combined purchases that are all under your bonus categories, you can receive a whopping 5% cash back. You can also receive up to 5% cash back on travel through Chase Ultimate rewards. You can redeem this cash back in the form of gift cards, travel, and more. This card is jam packed with perks and high rewards potential.

Every quarter offers a new way to save big on your purchases. The schedule of special bonus categories can look like this:

First quarter: Walmart and PayPal

Second quarter: Grocery stores

Third quarter: Gas stations

Fourth quarter: Select streaming services

The previous card called the Chase Freedom card was decommissioned, with this card in its place. It offers the best of both words: both fixed quarterly bonus categories that offer up to 5% cash back and 5% in the bonus categories. That is a lot of savings in one card!

With new bonuses, no annual fee, and low APR, your savings potential is unlimited. The card also offers no expiration date on your points—so you can save up for the trip of your dreams and get paid for it!

Pair this card with:

Chase Sapphire Preferred


To get even more rewards from the Chase Freedom Unlimited Credit Card, pair it with the Chase Sapphire Preferred You will earn more value for your accrued points when you redeem them through the Chase Ultimate Rewards online portal.

Apply for: Chase Sapphire Preferred Credit Card

Beyond the basics

Balance Transfer Intro APR

20.24%-28.99% based on your creditworthiness.

Cash Advance APR


Foreign Transaction

3% of each transaction

Loan APR


Late Payment fee

Up to $40

Penalty APR

Up to 28.99%

Credit Score Required

Your FICO score will determine what rate you are eligible for.

Other Offers

Means you won’t be held responsible for unauthorized charges made with your card or account information.

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

You can be reimbursed up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.

Safeguard your account using real-time monitoring for possible signs of fraudulent activity.

In the case of unusual activity, Chase can notify you by phone, text*Same page link to Offer Details or email.

Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

Cashback Example

If you were to spend $1500 every year on travel purchases, you can get $75 cash back. If you spend $160 per week on groceries, you will be rewarded $522.40 in cash back at the end of the year.

No annual feeRequires good/excellent credit
Bonus categoriesComplicated rewards
New cardholder bonus offer
Cash rewards

Apply now