Chase · personal

Freedom Flex

5% in activated quarterly categories on up to $1,500, 3% on dining and drugstores, and 5% through Chase Travel.

Published by CardwellSources & editorial standards Report a correction

1%–5% rewards$0 annual fee

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Card details reviewed Sep 12, 2026.

Current terms on Chase

Annual fee$0

Intro and ongoing APR0% intro APR for 15 months on purchases and balance transfers; then 18.24%–27.74% variable APR.

Foreign transaction feeForeign transaction fee applies.

Pros

Where this card stands out

Users willing to activate rotating categories
Cash-back optimizers

Things to consider

Tradeoffs to review

Quarterly activation is required.
The rotating bonus has a quarterly spending cap.

Not ideal for

When another card may fit better

Hands-off rewards users
Users focused primarily on international spending

Before you apply

Check the welcome offer for Freedom Flex

A welcome offer is not guaranteed. Check the exact application page for any bonus, eligible spending, deadline and restrictions on previous cardholders. Public, referral and personalized offers can differ.

Cardwell does not list a fixed bonus here or include it in ongoing reward estimates. Use only the offer actually shown to you.

Check offer on Chase Plan the spending requirement

Educational comparison only. Offers and eligibility can change. Confirm the issuer’s current terms before applying. Cardwell does not guarantee approval.