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Chase · Mastercard

Chase Freedom Flex

✓ Verified

Welcome bonus

Earn 20,000 points after you spend $500 in the first 90 days.

Annual fee
$0
Rewards
Ultimate Rewards
Earn rates
  • 5% quarterly rotating bonus categories (activation required) (up to $1,500/yr) — 5% on up to $1,500 in combined purchases each quarter you activate; 1% after the cap. Cap is per quarter, not annual.
  • 5% travel purchased through Chase Travel — Stated in the At a Glance and Additional ways to earn cash back sections.
  • 3% dining at restaurants, including takeout and eligible delivery services
  • 3% drugstores
  • 2% Lyft rides purchased in the Lyft app — Limited-time: through September 30, 2027 (1% on top of the 1% base).
Foreign transaction fee
3%
Purchase APR
18.24%–27.74% variable
Issuer rules
  • New cardmember bonus not available to current cardmembers of this card, or to previous cardmembers who received a new cardmember bonus for this card within the last 24 months.
  • The 5% quarterly bonus categories must be activated each quarter by the activation deadline; 5% applies to the first $1,500 in combined purchases that quarter, after which purchases earn 1% with no maximum.
  • Must be at least 18 years old to qualify (19 in AL and NE, 21 in Puerto Rico).
  • If approved, the credit access line will be at least $500.
  • Chase cardmembers who currently have or have had a Chase credit card in the same Rewards Program associated with this offer may not be eligible for a second Chase card in that program (stated in the Pricing & Terms document).
  • Cash Back rewards do not expire as long as the account is open, and there is no minimum to redeem for cash back.
View on Chase ↗Direct issuer link. No affiliate relationship yet.

Sources

Every value above is verified against these sources. Last checked 2026-07-27. Anything the issuer does not publish is left out rather than estimated, so a missing row means the issuer does not state it.

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