Where this card stands out
- Users willing to activate rotating categories
- Cash-back optimizers
Chase · personal
Freedom Flex
5% in activated quarterly categories on up to $1,500, 3% on dining and drugstores, and 5% through Chase Travel.
1%–5% rewards$0 annual fee
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.
Tradeoffs to review
- Quarterly activation is required.
- The rotating bonus has a quarterly spending cap.
When another card may fit better
- Hands-off rewards users
- Users focused primarily on international spending
Educational comparison only. Offers and eligibility can change. Confirm the issuer’s current terms before applying. Cardwell does not guarantee approval.
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