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finder.com’s rating: 4.4 / 5.0
★★★★★
$200
Welcome offer
Up to 5%
Cash back
$0
Annual fee
0%
Intro purchase APR
for the first 15 months (then 14.99% to 23.74% variable)
Annual fee | $0 |
---|---|
Welcome Offer | $200 after spending $500 in the first 3 months |
Rewards | 5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases |
Purchase APR | 0% intro for the first 15 months (then 14.99% to 23.74% variable) |
Balance transfer APR | 14.99% to 23.74% variable |
Recommended minimum credit score | 670 |
Issuer | Mastercard |
Review by
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
You’ll have a better chance of being approved for the card if you apply with a good to excellent credit score of 670 or higher.
Because approval is automated on the Chase website, you’ll likely get a decision within minutes. If there are issues with your application, it could take up to a few weeks to hear back.
We asked our readers, “What credit score did you have when you were approved for this credit card?” Note, this is informal data from our readers and not meant to provide advice on approval.
Based on a survey of 27 people out of 100 respondents on finder.com
Answer choices | Responses |
---|---|
740-850 | 44.44% |
670-739 | 40.74% |
580-669 | 14.81% |
300-579 | 0.00% |
Compare it to other leading cashback cards in terms of annual fee, welcome offer, intro APR period and cashback rewards to make sure you choose the right one for your needs.
Chase Freedom Flex℠
★★★★★
Rates & feesGo to site |
---|
Minimum credit score 670 |
Annual fee $0 |
Purchase APR 0% intro for the first 15 months (then 14.99% to 23.74% variable) |
Balance transfer APR 14.99% to 23.74% variable |
Rewards 5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases |
Welcome offer $200 after spending $500 in the first 3 months |
Chase Freedom Unlimited®
★★★★★
Rates & feesGo to site |
---|
Minimum credit score 670 |
Annual fee $0 |
Purchase APR 0% intro for the first 15 months (then 14.99% to 23.74% variable) |
Balance transfer APR 14.99% to 23.74% variable |
Rewards 5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases |
Welcome offer $200 after spending $500 in the first 3 months |
Blue Cash Preferred® Card from American Express
★★★★★
Rates & feesGo to site |
---|
Minimum credit score 670 |
Annual fee $0 intro annual fee for the first year ($95 thereafter) |
Purchase APR 0% intro for the first 12 months (then 13.99% to 23.99% variable) |
Balance transfer APR N/A |
Rewards 6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases |
Welcome offer $300 after spending $3,000 in the first 6 months |
Compare even more credit cards
Even though Chase markets the card as a cashback card, it actually earns Chase Ultimate Reward points. This is the same “currency” earned by the Freedom Unlimited card and the two Sapphire cards.
This makes the card ideal for pairing with any of these three cards. Because once you pair them, you can move your points between cards and maximize the redemption value. The most common combination of Chase credit cards is known as the Chase trifecta.
Note: Before you start applying to multiple Chase credit cards, take the Chase 5/24 rule into consideration. This unwritten rule says Chase will automatically decline your credit card application if you have opened five or more credit cards within the last 24 months.
Cardholders are generally thrilled with the Chase Freedom Flex℠‘s bonus categories and 1% cash back. However, some customers say they’ve had trouble with Chase autopay.
JPMorgan Chase Credit Card is not accredited with the Better Business Bureau but it has an A+ rating and a composite score of 1.18 out of 5 stars based on 229 customer reviews as of October 2020. Most customer complaints revolve around poor customer service and hidden costs Chase credit cards in general. Make sure you read your card’s terms and the rewards agreement to avoid issues with your account.
As of October 2020, Chase earns a Trustpilot score of 1.3 out of 5. Most negative reviews cite slow responses to fraud complaints and less-than-helpful customer service. Positive reviews cite the bank’s great mobile app and quick resolutions to their issues. Overall, your mileage may vary with Chase customer support.
Based on a survey of 66 people (out od 100 respondents) on finder.com
Answer choices | Responses |
---|---|
Rewards | 56.06% |
Signup bonus | 12.12% |
Features and benefits | 21.21% |
APR | 10.61% |
With Shop Through Chase, you can click through to select Chase partners and earn even more cash back through your Chase Freedom Flex℠. For example, you might earn 6% extra cash back at Neiman Marcus, 8% extra cash back at Under Armour and more.
Earnings and offers vary by time period and cardholder, so log in to your Chase account to see your offers.
The Chase Freedom Flex℠ is currently one of the best credit cards for earning rewards you can get. It comes with a generous signup bonus and massive cashback rates on everyday categories. Consider pairing this card with the Chase Freedom Unlimited® and the Chase Sapphire Reserve® to maximize your rewards.
Image: chase.com
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.