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US
Chase
Chase Freedom Flex
🇺🇸 United States · Chase

Chase Freedom Flex

No-fee rotating cashback for category optimizers.

4.6 / 5
Joining fee
$0
Annual fee
$0
Top reward
5%
Min income
None stated
Apply at Chase← Back to all cards

External link to Chase’s own application page.

The Chase Freedom Flex has no annual fee. It earns 5% on shopping and 1% on everything else. Forex markup is 3%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much Chase Freedom Flex actually pays you over time, net of annual fees.

$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$408
Annual feeNo fee
Welcome bonus (year 1 only)+$200
Cumulative net value
+$2,240
over 5 years
Year 1
$608
+$608/yr
Year 2
$1,016
+$408/yr
Year 3
$1,424
+$408/yr
Year 4
$1,832
+$408/yr
Year 5
$2,240
+$408/yr
Year 1 (with bonus)
$608
Year 2+ (steady state)
$408/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the Chase Freedom Flex earn?

What you earn back, by category.

shopping
5%
On up to $1,500 spend per quarter (cap terms unverified)
📈
travel
5%
📈
dining
3%
📈
Everything else
1%
📈
🎁
Welcome bonus

$200 cashback after $500 spend in first 3 months

What do you get with the Chase Freedom Flex?

  • 5% rotating quarterly bonus categories (up to $1,500/quarter)
  • 5% on travel via Chase Ultimate Rewards
  • 3% on dining + drugstores
  • 1% on everything else
  • No annual fee
  • 0% intro APR for 15 months

Who qualifies for the Chase Freedom Flex?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
No stated requirement
Min credit score
670+
Self-employed
Eligible

Chase Freedom Flex FAQ

›What is the Chase Freedom Flex annual fee?

The Chase Freedom Flex has no annual fee.

›What does the Chase Freedom Flex earn?

It earns 5% on shopping and 1% on everything else.

›What is the Chase Freedom Flex forex markup?

The Chase Freedom Flex charges 3% forex markup on foreign-currency spends.

›What income do you need for the Chase Freedom Flex?

Chase publishes no minimum income requirement for this card; approval rests on your credit profile.

›What is the Chase Freedom Flex welcome bonus?

$200 cashback after $500 spend in first 3 months.

›Are these Chase Freedom Flex figures verified?

These figures are from our catalog and have not yet been re-verified against the issuer.

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