Chase Bank
Chase Freedom Flex® Credit Card
A no-annual-fee U.S. cashback credit card offering 5% cashback on rotating quarterly categories after activation, plus fixed rewards on Chase Travel, dining, and drugstore purchases.
Highlights
Main benefits
- $0 annual fee
- 5% cash back on rotating quarterly bonus categories after activation
- 5% cash back on Chase Travel purchases
- 3% cash back on dining
- 3% cash back on drugstore purchases
- $200 welcome bonus after qualifying spend
- 0% intro APR for 15 months on purchases and balance transfers
- Useful for maximizing cashback with quarterly categories
- World Elite Mastercard benefits may apply
Fees
Fees and charges
Joining fee
$0
Renewal fee
$0 annual fee
Annual fee waiver
Not required because the card has a $0 annual fee.
Who can apply
Eligibility
Best suited for U.S. applicants with good to excellent credit. Approval depends on Chase’s credit review, income, debt obligations, identity verification, credit history, and other underwriting factors.
Checklist
Documents required
- Government-issued ID
- Social Security Number or ITIN, where applicable
- U.S. residential address
- Income/employment details
- Date of birth
- Contact details
Process
How to apply
1. Visit the official Chase Freedom Flex® Credit Card page
2. Check current bonus offer, APR, fees, and reward terms
3. Click “Apply as a guest” or sign in to apply faster
4. Enter personal, income, and contact details
5. Submit the application and wait for Chase’s approval decision
Value
Reward and cashback structure
Reward rate
5% cash back on up to $1,500 in combined purchases in quarterly bonus categories each quarter you activate;
5% cash back on travel purchased through Chase Travel℠;
3% cash back on dining, including takeout and eligible delivery services;
3% cash back on drugstore purchases;
1% cash back on all other purchases.
Cashback
Cashback is earned as Chase Ultimate Rewards® points and can be redeemed for cash back, travel, gift cards, and other eligible redemption options.
Good fit
Pros
- Strong 5% rotating cashback categories
- No annual fee
- Good welcome bonus with low spending requirement
- Fixed 3% cashback on dining and drugstores
- 5% cashback on Chase Travel purchases
- Can pair well with Chase Sapphire cards
- Good card for users who like maximizing rewards
Watchouts
Cons
- Quarterly 5% categories require activation
- 5% category rewards are capped each quarter
- Only 1% cashback on non-bonus purchases
- No airport lounge access
- Foreign transaction fee may apply
- Not ideal for users who want simple flat-rate cashback
- Requires U.S. credit eligibility
Related
Related cards
Compare
Compare Cards
| Field | Chase Freedom Flex® Credit Card | Chase Sapphire Preferred® Card |
|---|---|---|
| Bank/provider | Chase Bank | Chase Bank USA |
| Joining fee | $0 | $95 annual fee |
| Renewal fee | $0 annual fee | $95 annual fee |
| Best for | Rotating cashback categories, Chase Travel bookings, dining, drugstores, users who can activate quarterly categories | Travel rewards, Chase Ultimate Rewards® points, dining, hotel bookings, international travel, beginners who want a serious travel card |
| Reward rate |
|
|
| Cashback | Cashback is earned as Chase Ultimate Rewards® points and can be redeemed for cash back, travel, gift cards, and other eligible redemption options |
|
| Lounge access | No Included airport lounge access | No Included airport lounge access |
| Fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver |
| Welcome benefit | Earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening | Welcome offer changes over time and may vary by user or channel. A commonly listed recent offer is bonus points after meeting a minimum spend requirement in the first 3 months, so check Chase’s official application page before publishing the exact number |
| Annual fee waiver condition | Not required because the card has a $0 annual fee |
|
| Eligibility |
|
|
| Apply link | Apply | Apply |