Chase Freedom Flex - Find Me a Card

Chase Freedom Flex

A no annual fee card with 5% cash back on categories that change every 3 months, 5% on travel (when purchased through Chase's points website), 3% on restaurants and drugstores, and 1% on everything else, as well as a $200 signup bonus.

Your total savings: $2,579 over the next 5 years

View reward details
Credit Score Required:
Average (670-739)
Issuer:
Chase
Network:
Mastercard

Rewards & Perks

Reward Highlights

  • $200 cash bonus after spending $500 within the first 3 months.
  • Through March 2022: 5x points on Lyft rides.
  • 5% cash back (on up to $1,500 spent per quarter) in categories that rotate each quarter (e.g., gas, restaurants, groceries, and Amazon).
  • 5% cash back on travel purchased through Chase.
  • 3% cash back on restaurants and drugstores.
  • 1% cash back on all other spending.
  • Receive a $10 Lyft credit once per month for every 5 rides you take in a month.

Other Rewards & Perks

  • 3 free months of DashPass: Get a complimentary 3 months of DashPass, DoorDash's subscription service that provides unlimited deliveries for a $0 delivery fee on DoorDash orders over $12 (other fees may apply). After that, you are automatically enrolled in DashPass at 50% off for the next 9 months.
  • 5% cash rewards on "Boxed Wholesale" orders for use on future purchases.
  • Get $5 off Fandango movie tickets or at-home purchases for every 2 movie tickets purchased.
  • Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed for your pre-paid, non-refundable travel expenses, including passenger fares, tours, etc.
  • Car rental loss and damage insurance: Provides you reimbursement for damage due to collision or theft. Coverage is supplemental to and in excess of other insurance. You must decline the collision/loss damage waiver offered by the auto rental agency.
  • Travel and emergency assistance services: Lets you get help coordinating medical, legal, and travel services when you are traveling. The cost of any goods or services is your responsibility.
  • ShopRunner membership: Get free 2-day shipping on qualifying purchases at 140+ online stores and 1,000+ brands with ShopRunner. Enroll in complimentary membership as a benefit of your eligible Card.
  • Cell phone protection: Protection on your cell phone (usually up to $600-800 per claim, depending on the credit card issuer) against covered damage or theft (but not loss) when you pay your monthly cellular telephone bill with your credit card.
  • Extended warranty for warranties of 3 years or less: Extends the time period of the U.S. manufacturer's warranty (by an additional 1+ years) for eligible items that would otherwise have warranties of 3 years or less. (Refer to the offer details on the credit card issuer's website for details about dollar limits and exclusions.)
  • Purchase protection (120 days): Coverage for eligible items you buy with your card if they are lost or stolen within 120 days of your purchase.
  • Free online access to your credit score (via Chase Credit Journey): You can opt-in to access your credit score (updated monthly) for free, within Chase's mobile app or website.
  • Fraud protection: Your card transactions will be monitored for possible signs of fraudulent activity. (Depending on the credit card and issuer, this may also include a $0 liability guarantee for fraudulent transactions.)

Special Signup (Promo) Rewards & Perks

  • $200 cash bonus for spending $500 within the first 3 months.
  • Through March 2022: 5x points on Lyft rides.
  • 3 free months of DashPass: Get a complimentary 3 months of DashPass, DoorDash's subscription service that provides unlimited deliveries for a $0 delivery fee on DoorDash orders over $12 (other fees may apply). After that, you are automatically enrolled in DashPass at 50% off for the next 9 months.
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Rates & Fees

Summary of Rates & Fees

  • No annual fee.
  • APR on purchases: 14.99-23.74%. (0% for the first 15 months.)
  • APR on balance transfers: 14.99-23.74%.
  • Foreign transaction fee: 3%.

Annual Fee: $0

Interest Rate (“Purchase APR”): 14.99-23.74% (0% for the first 15 months)

BT Fee: 5% of BT

BT APR: 14.99-23.74%

Cash Advance Fee: 5%

Cash Advance APR: 24.99%

Foreign Transaction Fee: 3%

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Other Info

Other Offer Variations

  • If you apply through a third-party website, the signup bonus is $150.
  • If you apply through the chase.com website directly, the signup bonus is $200.
  • When you apply for the card, Chase may approve you for either the Visa Signature version of the card or the Visa Platinum version of the card. These two versions are almost the exact same thing, but the Visa Signature version has slightly better travel-related perks.

Date Introduced: 2007-09-17

Date Last Updated: 2022-01-12


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