Chase Freedom Flex®: Up to 5% Cashback on Quarterly Rotating Categories

Earn a limited-time $250 cash bonus after spending $500 in the first three months. You'll also earn 5% cashback on quarterly rotating categories (up to $1,500 per quarter), worth up to ~$300 per year in rewards, and now get no foreign transaction fees.

Olena
By Olena | Sep 30, 2026 at 2:59 PM EST

The Bottom Line

4.5
BIG4CREDIT RANKING Our 5-star rating is based on Big4credit’s independent, data-driven scoring system. Each card is evaluated across multiple weighted categories – including rewards, fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections. Ratings are determined solely by our research and analysis and are never influenced by card issuers or advertisers. Read about our ranking system in the Credit Card Ranking & Methodology section.
Chase Freedom Flex® is a great no-annual-fee card for people willing to track rotating bonus categories to earn higher cashback. It offers 5% on quarterly rotating categories, plus bonus rewards on dining and drugstores, with no foreign transaction fees. It works especially well if you already use Chase cards or plan to add more later. This card is not ideal if you want fully predictable, hands-off rewards with no category tracking. If you’re okay with a little effort for higher rewards, it’s a solid no-fee option.
Chase Freedom Flex®
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Chase Freedom Flex®
Annual fee:   $0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.49% - 27.99% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. Plus, earn 5% cashback on Chase Travel, 3% on dining and drugstore purchases, and 1% on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $250 bonus after spending $500 in the first 3 months.

$250

Pros and Cons

Pros:

  • 5% cashback on quarterly rotating categories
  • 5% cashback on Chase Travel℠ purchases
  • 3% cashback on dining and drugstore purchases
  • No annual fee
  • No foreign transaction fees
  • Welcome bonus
  • Introductory 0% APR on purchases and balance transfers
  • Auto rental coverage
  • Trip cancellation and interruption insurance
  • Purchase protection
  • Extended warranty protection

Cons:

  • Spending limit on 5% rotating categories
  • 5% travel rate is limited to purchases booked through Chase Travel℠
  • Quarterly activation required to earn 5% cash back on rotating categories
  • Low base cashback rate on purchases that don’t qualify for a higher earning rate
  • Travel partner transfers require a Chase Sapphire card
  • High regular APR

Welcome Offer

Limited-Time Offer: Earn a $250 bonus after spending $500 in the first 3 months.

Rewards

  • 5% Cashback on Quarterly Rotating Categories: Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. See current categories here.
  • 5% Cashback on Chase Travel purchases.
  • 3% Cashback Categories:
    • Dining, including takeout and eligible delivery services.
    • Drugstore purchases.
  • 1% Cashback on all other purchases.

Redemption Options

Flexible Redemption Options: Redeem cashback as a statement credit or direct deposit with no minimums, or use it for travel, gift cards, and purchases at Amazon.com. Cash rewards do not expire.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 18.49% - 27.99% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days.
  • Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: None.

Travel Protections

  • Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary and provides reimbursement up to $60,000.
  • Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

Travel & Emergency Assistance

  • Roadside Assistance: Dispatch service available; service fees apply.
  • Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered)

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
  • Cell Phone Protection: Get up to $800 per claim and $1,000 per year in coverage for damage or theft when you pay your monthly cell phone bill with your eligible card. Coverage is subject to a $50 deductible and limited to 2 claims per year.

Lifestyle Perks

  • DoorDash DashPass Membership: Enjoy 6 months of complimentary DashPass for DoorDash and Caviar, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027; enrollment auto-renews at the standard rate.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
  • 2% Cashback on Lyft: Earn 2% cashback on Lyft rides through September 30, 2027.

Shopping & Savings

Chase Offers: Activate personalized deals from popular merchants and earn automatic cashback when you use your card.

Buy Now, Pay Later Options

Chase Pay Over Time®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Additional Features

Free credit score access.

Ratings

  • Net Value & Cost Efficiency: 6.7/10
  • Rewards & Earnings Power: 7.6/10
  • Welcome Bonus Value: 8.5/10
  • First-Year Earning Boost: 0/10
  • APR & Interest Structure: 7.3/10
  • Simplicity & Transparency: 8.3/10
  • Perks, Benefits & Protections: 4.9/10
  • Issuer Credibility & Stability: 7.6/10
  • Installment & BNPL Features: 7/10
  • Eligibility & Approval Accessibility: 7.5/10

Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.

Customer Satisfaction

The Chase Freedom Flex® Credit Card received a 658 out of 1,000 score in the 2026 J.D. Power U.S. Credit Card Satisfaction Study, ranking it highest in customer satisfaction among bank rewards credit cards with no annual fee.

Terms and Conditions

Click Apply Now to see the terms and conditions.

EarnSmart Cashback Strategy

  • Savor Rewards: Earn elevated cashback on dining, groceries, and entertainment, helping provide consistent rewards outside rotating bonus categories.
  • Discover it®: Earn 5% cashback on rotating quarterly categories (activation required), complementing Freedom Flex® with additional high-reward bonus opportunities throughout the year.

» MORE: See Big4credit’s best cash back credit cards

The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.

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