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Freedom Flex Card
Freedom Flex Card
CREDIT CARD
Mastercard

Chase Freedom Flex Credit Card

4.75 of 5
💵
Annual fee
Free
🌎
Foreign transaction fees
Yes
🔄
Balance Transfer Fee
Yes
Bonus Points
Yes
SEE HOW TO APPLY

The Chase Freedom Flex Credit Card is a versatile and rewarding credit card that offers cashback on every purchase.

Whether you’re making everyday purchases or treating yourself to a special item, this card provides the opportunity to earn 5% cashback on rotating categories that change every quarter, 3% cashback on dining and drugstore purchases, and 1% on all other purchases.

One of the card’s standout features is its introductory 0% APR for the first 15 months on both purchases and balance transfers, giving cardholders the chance to pay off their balance without accruing interest for an extended period.

For those who want more than just cashback, the Chase Freedom Flex Credit Card offers added benefits such as access to travel rewards through the Chase Ultimate Rewards program.

About the Financial Institution

Chase Bank, a division of JPMorgan Chase & Co., is one of the largest financial institutions in the world, offering a wide range of products and services including banking, loans, mortgages, and credit cards.

With a long history of customer service excellence, Chase has established itself as a trusted name in financial services.

They are known for providing innovative solutions to meet their customers’ needs, and the Chase Freedom Flex Credit Card is just one example of their efforts to offer high-value financial products.

As a major player in the banking industry, Chase provides global access to a vast network of ATMs, branches, and customer support, ensuring that their cardholders have comprehensive services and assistance whenever needed.

Who Is This Card For?

The Chase Freedom Flex Credit Card is an excellent choice for individuals who want to earn cashback on their everyday spending while enjoying added perks such as travel rewards.

It is particularly well-suited for consumers who are looking for an affordable credit card with no annual fee, but still want the ability to earn higher rewards on specific categories like dining, travel, and drugstore purchases.

This card is ideal for those who can take full advantage of the 5% cashback categories that rotate every quarter and are willing to manage the activation of these categories.

Additionally, people who already use other Chase Ultimate Rewards cards may find this card especially beneficial, as it allows them to pool their rewards for even more value.

Card Advantages

  • 5% Cashback on Rotating Categories: Each quarter, the Chase Freedom Flex Credit Card offers 5% cashback on rotating categories such as gas stations, grocery stores, or home improvement stores. These categories change every quarter, providing opportunities for cardholders to maximize their rewards on different types of purchases.
  • 3% Cashback on Dining and Drugstore Purchases: You’ll earn 3% cashback on purchases made at restaurants and drugstores, which includes both dining out and ordering takeout. This makes the card ideal for foodies and regular shoppers at local drugstores.
  • 1% Cashback on All Other Purchases: The card offers 1% cashback on all other purchases, so even if you don’t hit one of the special categories, you can still earn rewards on everyday purchases like online shopping and bills.
  • 0% Introductory APR for 15 Months: For new cardholders, the Chase Freedom Flex offers 0% APR on purchases and balance transfers for the first 15 months. This is an excellent way to save money on interest if you need to make a large purchase or transfer a balance from another high-interest card.

Additional Benefits

  • Chase Ultimate Rewards Points: The Chase Freedom Flex Credit Card allows cardholders to earn Ultimate Rewards points on every purchase, which can be redeemed for travel, gift cards, merchandise, or even transferred to other Chase credit cards that offer higher value for points.
  • Cell Phone Protection: The card provides cell phone protection when you pay your monthly cell phone bill with the card. If your phone is damaged or stolen, you could be reimbursed for repairs or replacement costs.
  • Travel Benefits: As a Visa Signature card, the Chase Freedom Flex Credit Card provides access to a wide range of travel benefits, including trip cancellation insurance, rental car insurance, and travel assistance services. This makes it a good choice for travelers who want extra peace of mind during their trips.
  • Fraud Protection: Chase offers excellent fraud protection with features like zero liability for unauthorized transactions and real-time alerts for suspicious activity. This provides an added layer of security for your account.
  • 24/7 Customer Support: With Chase, you can access customer support 24/7 via phone, online chat, or the mobile app, ensuring that any questions or concerns are addressed quickly.

Fees and charges

REVOLVING CREDIT INTEREST RATE

Late Payment: Up to $40;
Returned payment: Up to $40;

OTHER FEES

● Introductory APR: 0% for 15 billing cycles;
● Standard APR: 19.49% - 28.24%;
● Balance Transfer Fee: Intro fee: $5 or 3% per transfer for 60 days. Then $5 or 5% per transfer;
● Cash Advance: either $10 or 5% of the amount of each transaction.

Expert review

The Chase Freedom Flex Credit Card is a highly versatile and rewarding option for cashback enthusiasts.

Offering 5% cashback on rotating categories (up to a quarterly limit), 3% on dining and drugstore purchases, and 1% on everything else, it provides robust rewards across multiple spending categories.

With no annual fee and a 0% intro APR for 15 months, it’s an excellent choice for those looking to maximize rewards without paying extra fees.

The Chase Ultimate Rewards integration also adds flexibility, making this card ideal for anyone seeking valuable cashback with additional perks.

SEE HOW TO APPLY

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+Positive points

  • 5% cashback on rotating categories (up to a quarterly limit), providing great opportunities for rewards.
  • 3% cashback on dining and drugstore purchases, making it a great option for everyday spending.
  • 1% cashback on all other purchases, ensuring consistent rewards with no limits.
  • No annual fee, making the card affordable for those looking to save.
  • 0% intro APR for 15 months, ideal for those needing a period of no interest on purchases or balance transfers.

- Negative points

  • 5% cashback categories change every quarter and require activation, which can be inconvenient for some users.
  • The rotating cashback limit can be somewhat restrictive for those who spend heavily in specific categories.
  • The sign-up bonus is lower compared to other reward cards on the market.

Expert rating

Fees
5,00
Benefits
4,50
Final Rating
4,75

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Annual fee
Annual fee
Free
Annual fee
Free
Annual fee
Free
Card network
Card network
Mastercard
Card network
Visa
Card network
Mastercard
Foreign transaction fees
Foreign transaction fees
Yes
Foreign transaction fees
Yes
Foreign transaction fees
No
Balance Transfer Fee
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Balance Transfer Fee
Yes
Bonus Points
Bonus Points
Yes
Bonus Points
No
Bonus Points
Yes
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