Freedom Flex

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Freedom Flex
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.74% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on different categories like gas stations, grocery stores (excluding Target® and Walmart®), and select online merchants on up to $1,500 in total combined purchases each quarter you activate, 5% on travel purchased through Chase Travel, 3% on dining and drugstore purchases, plus 1% on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

Welcome Offer

Earn a $200 bonus after spending $500 in the first 3 months.


  • 5% Cashback on Quarterly Bonus Categories: Earn 5% cashback on purchases in quarterly bonus categories such as gas stations, grocery stores (excluding Target® and Walmart®), car rental agencies, movie theaters, purchases made using PayPal, and select online merchants, up to $1,500 in total combined purchases. You must activate your 5% bonus cash back each quarter by the activation deadline.
  • Earn 5% cashback on travel purchased through Chase Travel.
  • Earn 3% cashback on dining and drugstore purchases.
  • Earn 1% cashback on all other purchases.
  • Lyft: 5% on qualifying Lyft rides through 03/31/2025.
  • Annual Fee: None.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars.
  • 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
  • Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 19.74% - 28.49% applies to purchases and balance transfers.
  • Redeem Your Rewards: For cash, travel, gift cards, products, services, and more. Cashback rewards do not expire.
  • DoorDash: Get a complimentary three-months DashPass membership. After that, you’ll be automatically enrolled in DashPass at 50% discount for the next 9 months. Activate by January 31, 2024. Plus, get up to $10 off quarterly on non-restaurant DoorDash orders.
  • Cell phone protection: Receive up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when paid with your eligible credit card. Maximum of 2 claims in a 12-month period with a $50 deductible per claim.
  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of 3 years or less.
  • Travel benefits: Include Travel and Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Trip Cancellation and Interruption Insurance.
  • Additional Features: Include free credit score and identity restoration services with Chase Credit Journey, 24/7 fraud monitoring, and zero liability protection.
  • Click ‘Apply Now’ to see the full terms and conditions.
Chase Freedom Flex℠ offers 5% cashback on rotating quarterly bonus categories like gas stations, grocery stores, and more. It comes with a generous welcome bonus, introductory 0% APR offers on purchases and balance transfers, along with valuable cell phone protection, purchase, and travel benefits. This card is ideal for individuals who frequently spend in varied categories and seek rewards flexibility, as well as for those looking to benefit from strong introductory APR offers and comprehensive purchase and travel protections.