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Chase Freedom Flex℠

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The Chase Freedom Flex card is replacing the Chase Freedom card, offering more robust rewards and utilizing the Mastercard network as opposed to Visa. You’ll enjoy the same rotating rewards, additional cash back on travel and dining, and new Mastercard World Elite benefits. The Chase Freedom Flex card will be open to applicants starting September 14th.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 14.99% - 23.74% Variable
Intro Purchase APR: 0% Intro APR on Purchases for 15 months

Chase Freedom Flex℠

Our rating
Good Min. credit level
$0 Annual Fee
How To Apply Read our Review

Highlights & Features


  • 5% cash back on:
    • Travel purchased through Chase Ultimate Rewards
    • Lyft rides (through March 2022)
    • Grocery store purchases (not including Target or Walmart purchases; up to $12,000 spent in the first year)
  • 5% cash back in rotating categories, up to $1,500 in spending each quarter, then 1%
  • 3% cash back at:
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases


$200 bonus for spending $500 in the first 3 months

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 14.99% - 23.74% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee See Terms
Returned Payment Fee See Terms
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3% of each transaction in U.S. dollars
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 24.99% Variable
Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater.
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Free Credit Score
  • Zero Liability on Unauthorized Charges
  • Purchase Protection
  • Extended Warranty Protection
  • Auto Rental Insurance
  • Emergency Travel Assistance
  • Trip Interruption Insurance


Chase has several card types depending on your needs.

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Available September 14th, the Chase Freedom Flex Mastercard is a step up from the late and (soon to be) discontinued Chase Freedom® (Review).

This card is essentially replacing the Chase Freedom card, and if you have the Freedom right now you’ll be given the option to request the new Flex card sometime in the future.

Just like the original Freedom, you’ll still earn 5% cash back on up to $1,500 per quarter in rotating bonus categories. You’ll also get 5% cash back on all travel purchased through the Chase Ultimate Rewards portal, 5% back on Lyft rides through March 2022, 3% on dining and drugstore purchases, and 1% back on everything else you purchase.

Here are the current and recent 5% cash back bonus categories:

Quarter 2019 Categories 2020 Categories
January – March
  • Gas Stations
  • Tolls
  • Drugstores
  • Gas Stations
  • Streaming Services
  • Internet, Cable, Phone Services
April – June
  • Grocery Stores
  • Home Improvement Stores
  • Grocery Stores
  • Fitness Club & Gym Memberships
  • Streaming Services
July – September
  • Gas Stations
  • Streaming Services
  • Amazon
  • Whole Foods Market
October – December
  • Department Stores
  • PayPal
  • Chase Pay
  • Walmart
  • PayPal

You’ll get Mastercard World Elite benefits such as purchase protection, auto rental damage collision waiver, extended warranty protection, and a handful of others— which you can find in your Guide to Benefits if you’re approved for the card.

The Freedom Flex Mastercard comes with no annual fee and a 3% foreign transaction fee.