
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
finder.com’s rating: 4.7 / 5
★★★★★
$200
Welcome offer
Up to 5%
Cash back
$0
Annual fee
0%
Intro purchase APR
for the first 15 months (then 19.49% to 28.24% variable)
Annual fee | $0 |
---|---|
Welcome offer | $200 after spending $500 in the first 3 months |
Rewards | 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 5% cash back on travel purchased through Chase Ultimate Rewards® 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 1% cash back on all other purchases. |
Purchase APR | 0% intro for the first 15 months (then 19.49% to 28.24% variable) |
Balance transfer APR | 0% intro for the first 15 months (then 19.49% to 28.24% variable) $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days |
Minimum credit score | 670 |
Issuer | Mastercard |
Review by
Kliment Dukovski is a personal finance writer at Finder, specializing in investments and cryptocurrency. He's written more than 700 articles to help readers compare the best trading platforms, understand complex investment terms and find the best credit cards for their needs. His expert commentary has been featured in such digital publications as Fox Business, MSN Money and MediaFeed. He’s also well-versed in money transfers, home loans and more — breaking down these topics into simple concepts anyone can understand. In another life, Kliment ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
Formerly known as the Chase Freedom card, the Chase Freedom Flex℠ has updated more than just the name. For starters, you get to earn one of the highest rewards rates on Lyft rides and travel purchased through the Chase Ultimate Rewards portal.
This Mastercard still has rotating cashback categories that can be activated each quarter. A surprising addition to the rewards categories is now you get unlimited cash back for purchases made at restaurants — including takeout and delivery — and for purchases made at drugstores. This makes this card a rewards powerhouse for everyday purchases.
It also makes the card an excellent option for pairing with other Chase Sapphire or the Freedom Unlimited card. That’s because you earn a higher rewards rate with the Freedom Flex on other categories than what you could earn with these cards. You can then transfer your points to a Chase Sapphire card and get either a 25% or a 50% higher redemption value on travel purchases through the Chase Ultimate Rewards program. You can also transfer your points to partner airline and hotel programs from a Sapphire account and get an even higher value for your points.
As of December 2021, Chase has even brought back the card’s 15 months 0% Intro APR on purchases and balance transfers, which only reinforces the card’s flexibility and value.
All things considered, it’s hard to find a card that’s as rewarding as the Chase Freedom Flex℠. If you never considered getting a Chase Freedom card before, now is the moment. It’s an excellent standalone card, but it’s even better if you pair it with another Freedom or a Sapphire card.
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% |
Quarters | January–March 2022 | April–June 2022 | July–September 2022 | October–December 2022 |
---|---|---|---|---|
Primary 5% category | Grocery stores (excluding Target and Walmart) | Amazon.com | Gas stations and car rentals | Walmart |
5% sub category | eBay | Select streaming services | Select movie theaters | PayPal |
Select up to four credit cards and select Compare to see how the other credit cards stack up to the competition and find the best card that suits you.
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 C+ rating and a composite score of 1.18 out of 5 stars based on 229 customer reviews as of December 2021. 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 December 2021, Chase earns a Trustpilot score of 1.6out 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.
What happens if I forget to activate the cash back on this card?
If you don’t activate your spending bonus before the quarterly deadline, you’ll only earn 1% cash back on purchases you make in bonus categories. You can always activate the bonus during the next quarter.
Do my points expire?
Your points don’t expire as long as your account remains open and in good standing.
What happens after I spend $1,500 on combined purchases in the quarterly bonus categories each quarter?
If you spend up to your $1,500 combined limit for bonus categories, your bonus will revert to the standard 1% cash back on all purchases with no maximum.
Image: chase.com
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our team evaluates credit cards to determine their value against similar cards on the market.
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.
2 Comments
August 17, 2019
How do I cancel Chase freedom credit card?
August 17, 2019
Hi Beverly,
Thanks for reaching out to Finder.
You can cancel a Chase credit card without calling by logging in to your online account and accessing your Chase dashboard. From there, select the card you’d like to cancel and then write a brief message about why you’d like to cancel your card.
If that does not work for you, you will have to contact Chase directly using the number found at the back of your credit card.
I hope that helps.
Cheers,
Charisse