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Chase Mastercard

Chase Freedom Flex

The Freedom Flex is Chase's rotating-category cash-back card, with no annual fee and 5% on a quarterly category that changes through the year. The non-rotating rates of 5% on Chase Travel, 3% on dining, and 3% at drugstores hold up on their own, and the cell-phone protection is genuinely useful. As with the rest of the Freedom family, the points pool into Ultimate Rewards if you also hold a Sapphire card, which turns it from a cash-back card into a transferable-points earner.

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Chase Freedom Flex card art
  • Annual fee
    Free
  • Welcome offer
    $200
    after $500 in 3 months
  • Recommended credit
    700-780
    Median 720. See why →

Earning rates

on Chase Ultimate Rewards
  • 5x
    Chase Travel
    via portal
  • 5x
    Rotating Quarterly
    Rotating, activate quarterly
    Cap $1,500
  • 3x
    Dining
  • 3x
    Drugstores
  • 1x
    Everything else

Benefits and credits

Travel credits and perks

  • Roadside Assistance
  • Travel and Emergency Assistance

Lifestyle credits

  • DashPass + DoorDash Quarterly Credit
    $10
    Through 12/31/2027

Purchase and protection benefits

  • Cell Phone Protection
    Up to $800
  • Extended Warranty Protection
  • Purchase Protection
    Up to $500 · 120d

Travel and purchase coverage

  • Rental car collision damage waiver
    $60,000
    Secondary coverage
    Secondary US, primary intl
  • Trip cancellation and interruption
    $1,500
    Per trip $6,000

Pricing and fees

Full Pricing and Terms
Purchase APR
18.24% to 27.74%
Foreign tx
3.00%
Penalty APR (cap)
29.99%
Balance transfer
18.24% to 27.74%
Fee $5 or 5.00%, whichever is greater
Cash advance
28.49%
Fee $10 or 5.00%, whichever is greater
Late / returned
$40 · $40

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Free
  • Reports AU to bureaus
    Conditional
    Reports adult AU activity to all three bureaus; does not report minors (under 18).
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

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Sources

Data current as of May 14, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.