Updated October 2026|Facts Verified
Sources
Chase official site
My cards

Chase Freedom Flex

Chase · Mastercard · $0 annual fee

Compare this card →View full details
670
Min Score
18.24–27.74%
APR Range
0%
Intro APR · 15 mo
3%
Foreign Fee
$0
Annual Fee
Welcome Bonus
$200 cash back
Low spend to unlock
After you spend $500 in the first 3 months — the same easy bar as the Freedom Unlimited.
Welcome bonus, last 9 mo: 20k · steady
JFMAMJJASOND
Full history▾
Know the moment this bonus changes
We will email you on any Chase Freedom Flex bonus or benefit change.
Almost done. Check your inbox and click the confirmation link to start your alerts.
Opt in to multiple cards · unsubscribe anytime · Privacy Policy
How You Earn · cash back per $1
Rotating
5%
Rotating quarterly categories (first $1,500/qtr)
Travel
5%
Travel booked through Chase Travel℠
Dining
3%
Dining, incl. takeout & delivery
Drugstores
3%
Drugstores
Purchases
1%
Everything else

What you get with the card — tap a row for details.

5%You must activate every quarter▾
The 5% rotating categories change every three months (past examples: grocery stores, gas stations, Amazon, PayPal, restaurants). You have to activate each quarter — miss it and you earn 1%. The 5% applies to the first $1,500 of combined spending per quarter, worth up to $75 back, or $300 a year if you max all four.
XR ptsPairs with Sapphire for transfers▾
Cash back is really Chase Ultimate Rewards® points at 1¢ each. Hold a Sapphire Preferred, Sapphire Reserve or Ink Business Preferred and you can pool the points and transfer them 1:1 to airline and hotel partners — turning 5% back into 5x points.
3 moComplimentary DoorDash DashPass▾
Three months of complimentary DashPass, then 50% off for nine months. Activate through your Chase account.
$0No foreign transaction fees▾
As of September 20, 2026 this card no longer charges a foreign transaction fee, so you can use it abroad with no surcharge.

Terms apply; verify current details with Chase before applying.

Insurance and coverage that come built in. Tap a row for details.

$1,500Trip cancellation & interruption▾
Up to $1,500 per person and $6,000 per trip in pre-paid, non-refundable travel expenses if a trip is cut short or cancelled for a covered reason.
SecondaryAuto rental coverage▾
Secondary collision damage waiver when you decline the rental company’s coverage and pay with the card.
$500Purchase protection▾
New purchases covered against damage or theft for 120 days, up to $500 per claim, plus an extended warranty that adds a year to eligible U.S. manufacturer warranties of three years or less.

Coverage is provided under Chase’s Guide to Benefits; limits, conditions and exclusions apply.

The latest changes to this card — newest first. Verified against issuer terms.

October 2026NEW

No more foreign transaction fee; cell phone protection ended

Effective September 20, 2026, the Freedom Flex dropped its 3% foreign transaction fee, making it a no-FX-fee card for travel. The same change discontinued the card cell phone protection benefit.

2026NEW

Don’t forget to activate this quarter

The 5% categories rotate every three months and require activation — Chase does not enroll you automatically. Set a calendar reminder, or the card quietly drops to 1%.

2026

Cell phone protection on a $0-fee card

Up to $800 per claim if you pay your phone bill with the card — a benefit most no-fee cards don’t offer at all.

2026

$200 bonus on only $500 of spend

Same easy welcome bonus as the Freedom Unlimited — $200 back after $500 in the first 3 months.

Advertiser Disclosure: MyCreditPerks may earn a commission when you apply through a link on our site, at no cost to you. Rankings and values are based solely on reward rates, fees, and estimated value — advertiser relationships never influence results. Reward values are estimates; verify current terms with Chase before applying.