Updated September 2026|Facts Verified

Sources

Chase Freedom Flex

Chase · Mastercard · $0 annual fee

Compare this card →View full details

670

Min Score

18.24–27.74%

APR Range

Intro APR · 15 mo

Foreign Fee

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

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Full history▾

Know the moment this bonus changes

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How You Earn · cash back per $1

Rotating

Rotating quarterly categories (first $1,500/qtr)

Travel

Travel booked through Chase Travel℠

Dining

Dining, incl. takeout & delivery

Drugstores

Purchases

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.

3%Foreign transaction fee — heads up▾

3% on purchases made outside the U.S. Use a no-FX card abroad.

Terms apply; verify current details with Chase before applying.

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

$800Cell phone protection▾

Up to $800 per claim (up to 2 claims per year, $50 deductible) if your phone is stolen or damaged — as long as you pay your monthly wireless bill with the card. Unusual on a $0-fee card.

$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.

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.