Credit and Loans

Chase Freedom Flex℠ – Dynamic Cashback Power Without the Annual Fee

Rotating 5% bonus categories plus solid everyday rewards—all for $0 annual fee

Maximize rewards with flexible bonus categories and no annual fee

Annual Fee: $0
Rewards Rate: 5% on rotating quarterly categories (up to $1,500), 5% on travel via Chase, 3% on dining & drugstores, 1% on everything else
Intro Offer: $200 bonus after spending $500 in first 3 months
Recommended Credit Score: 670–850 (Good to Excellent)

Chase Freedom Flex℠

Rewarding Every Season

Take advantage of rotating 5% cash back categories each quarter, from gas stations to grocery stores and more.

ACTIVATE BONUS CATEGORIES

EARN $200 BONUS

APPLY NOW

Get premium rewards without the premium price. Perfect for maximizing cash back all year long.

Earn 5% on select categories + strong everyday rewards.

More Details

Apply online easily through Chase’s secure application portal and get a fast decision.

Looking for travel perks instead? United℠ Explorer offers free checked bags, priority boarding, and bonus miles.

Great for loyal United flyers who want premium travel benefits.

Compare Alternatives

: Chase releases new categories each quarter. You activate them and earn 5% on up to $1,500 in purchases.
: Yes, a 3% fee applies to purchases made outside the U.S.
: Yes, you can combine points with other Chase Ultimate Rewards cards like Sapphire Preferred or Reserve.