Card details · Chase
Chase Freedom Flex review: fees, rewards and APR
The Chase Freedom Flex℠ is a credit card from Chase with a $0 annual fee. By our overall score it ranks #139 of the 242 credit cards we rank (store-only cards excluded), and #31 of 41 Chase cards. It is listed in our cash back rankings.
Key facts
- Issuer
- Chase
- Network
- Mastercard
- Annual fee
- $0
- Welcome offer
- Earn $200 after spending $500 in the first 3 months
- Intro APR
- purchases 15 months · balance transfers 15 months
- Ongoing APR
- 18.24%-27.74%
- Balance transfer fee
- 3% intro (60 days), then 5%
- Our overall score
- 55 (#139 of 242 cards)
Sign-up bonus history
We have tracked this card’s welcome offer since April 2026 and have not recorded a change in its headline amount ($200). How we track offer history.
Rewards
- 5% rotating quarterly categories (groceries included in some quarters) on up to combined $1,500 in purchases per quarter
- 3% dining
- 3% drugstores
- 5% travel purchased through Chase Travel℠
- 1% for everything else
Intro APR and balance transfers
0% intro APR on purchases for 15 months. 0% intro APR on balance transfers for 15 months. Balance transfer fee: 3% intro (60 days), then 5%.
Balance transfer fee: 3% intro (60 days), then 5%
Ongoing APR: 18.24%-27.74%
Where it ranks
- Overall: #139 of 242 cards (score 55)
- Chase credit cards: #31 of 41
- Cash back cards: #33 of 69 by our cash back score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Chase’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Chase Freedom Flex?
$0, as stored in our database. Confirm the current fee on Chase’s site.
Does the Chase Freedom Flex have a welcome bonus?
Our database lists this offer: Earn $200 after spending $500 in the first 3 months Offers change often and terms apply.
Does the Chase Freedom Flex have a 0% intro APR?
Our database lists: 0% intro APR on purchases for 15 months. 0% intro APR on balance transfers for 15 months. Balance transfer fee: 3% intro (60 days), then 5%. Terms apply.
How does the Chase Freedom Flex rank on YourBestCards?
#139 of 242 cards by our overall score (55). In our category lists: #33 of 69 cash back cards.
Has the Chase Freedom Flex sign-up bonus changed?
Not in its headline amount, as far as we have tracked since April 2026: it has stayed at $200 in our records. Offers can change at any time; terms apply.
Other top Chase cards
- 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit
- 2X on other travel purchases
- 3X points on dining, including eligible delivery services, takeout and dining out
- Annual fee
- $95
- Welcome offer
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- 1.5% cash back on all purchases
- Annual fee
- $0
- Welcome offer
- Earn $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days
- Annual fee
- $0
- 8X points on Chase TravelSM purchases
- 4X on flights and hotels booked direct
- 3X on dining worldwide
- Annual fee
- $795
- Welcome offer
- Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
- #5
United Quest℠ Card
Score 69- 8x miles on United flights - 5x miles on fare from United as a MileagePlus member, plus 3x miles earned on entire purchase with the United Quest℠ Card
- 5x miles on hotel stays at Renowned Hotels and Resorts
- 3x miles on all other eligible United purchases
- Annual fee
- $350
- Welcome offer
- Earn 80,000 bonus miles after you spend $4,000 on purchases in the first 3 months your account is open, plus 500 PQP after your first purchase, plus 10,000 bonus miles after you add an authorized user in the first 3 months your account is open (up to 90,000 bonus miles in total).
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.