Earn 5% in Rotating Categories
Activate each quarter to earn 5% cash back on up to $1,500 in combined eligible purchases. Categories and exclusions change quarterly.
Chase Freedom Flex® Card Benefits
Earn up to 5% cash back on eligible purchases, with rotating quarterly categories and a $0 annual fee. Learn how the rewards work.
EXPLORE CARD BENEFITS
You will remain on our site.
How Freedom Flex Cashback Works
Chase Freedom Flex® combines everyday rewards with a quarterly bonus calendar. Understanding activation, spending limits and reward redemption can help you evaluate how the card fits your usual purchases.
- Quarterly activation: Check the Chase rewards calendar and activate each offer before its deadline. Eligible purchases must meet the program's rules.
- Spending limits: The rotating bonus applies to a combined quarterly purchase limit. Spending above that limit generally earns the standard rate.
- Reward redemption: Cashback can be redeemed through Chase Ultimate Rewards® for statement credits and other eligible redemption options.
- Additional protections: Eligible purchases may qualify for purchase protection and extended warranty coverage, subject to the applicable terms and exclusions.
The card has a $0 annual fee, but interest and other charges may apply. Review the current Chase pricing and eligibility terms before submitting an application.
Your Questions, Answered
Does Chase Freedom Flex have an annual fee?
No. Chase Freedom Flex® has a $0 annual fee. However, interest charges, balance transfer fees, cash advance fees and other costs may apply depending on account activity. Review the issuer's pricing terms.
Do I need to activate the 5% categories?
Yes. Cardholders must activate each quarterly offer by Chase's deadline. The 5% rate applies to up to $1,500 in combined eligible purchases during that quarter. Categories and merchant exclusions may change.
What happens after I spend $1,500?
Once you reach $1,500 in combined purchases within the activated quarterly bonus categories, additional purchases in those categories generally earn the standard 1% cash back rate. The limit resets for the next quarter.
Can I redeem my rewards for cash?
Yes. Chase Freedom Flex® rewards can be redeemed for cash back through Chase Ultimate Rewards®, subject to the program's terms. Other redemption options may be available, and their values can differ.
Does the card charge foreign transaction fees?
Review the current Chase pricing terms for any foreign transaction charges. Currency conversion and fees charged by merchants or other providers may also affect purchases made abroad.
Is approval guaranteed with good credit?
No. Chase considers credit history, income, existing obligations and other eligibility factors when reviewing an application. A good credit score does not guarantee approval, a particular credit limit or a specific interest rate.
Three Things to Check Before Applying
1. Review the bonus categories. Check whether the quarterly offers match your usual purchases. Activation is required, and the rotating bonus has a spending cap.
2. Compare rewards and costs. Consider potential interest charges, transaction fees and how you normally use a credit card.
3. Read the current Chase terms. Confirm the APR, bonus eligibility, category exclusions and application requirements. Approval is not guaranteed.