Chase Freedom Flex
No annual fee · 1% on everything else · 3.0% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Rotating quarterly categories (rotating) | 5% | on the first $1,500/quarter |
| Dining | 3% | uncapped |
| Drugstores | 3% | uncapped |
| Everything else | 1% | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
5% | uncapped |
See how it ranks: best dining cards.
Signup bonus: $200 back after $500 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. $200 bonus encoded as 20,000 CASH points at 1 cent each Bonus figure confirmed on the issuer's page 2026-09-14.
Non-cash perks
- World Elite Mastercard benefits (Lyft, Instacart, Peacock, and other merchant partners)
- Purchase Protection, up to $500/item, 120 days
- Extended Warranty Protection (+1 year on eligible warranties of 3 years or less)
- Trip Cancellation and Interruption Insurance, up to $1,500/traveler and $6,000/trip
- 24/7 fraud monitoring
- Rewards don't expire as long as account is open
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. three things on this card rule out a kind of spender:
- Anyone who doesn't spend at the issuer's travel portal. Its largest printed rate, 5% on issuer travel portal, pays only at the issuer's travel portal. Elsewhere in that category the card earns 5%, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Anyone who spends abroad. Every purchase in a foreign currency carries a 3.0% foreign transaction fee. On a card earning 1.0¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
- Anyone who won't track a quarterly calendar. Its 5% rate applies to categories that change every quarter, on the first $1,500 of spending per quarter, and the issuer requires you to activate each quarter before you spend. In a quarter whose categories miss your spending — or that you forget to activate — those charges earn its base 1%.
Compared head-to-head
- Chase Freedom Flex vs Chase Freedom Unlimited — which earns more?
- Chase Freedom Flex vs Capital One Savor — which earns more?
- Chase Freedom Flex vs American Express Gold Card — which earns more?
- Chase Freedom Flex vs Chase Sapphire Reserve — which earns more?
- Chase Freedom Flex vs Chase Sapphire Preferred — which earns more?
- Chase Freedom Flex vs Citi Strata Premier® Card — which earns more?
- Chase Freedom Flex vs Robinhood Platinum Card — which earns more?
- Chase Freedom Flex vs Chase Ink Business Cash — which earns more?
- Chase Freedom Unlimited vs Chase Freedom Flex vs Citi Double Cash® Card — all three side by side
- Capital One Savor vs Chase Freedom Flex vs Blue Cash Everyday Card from American Express — all three side by side
- Discover it Cash Back vs Chase Freedom Flex vs Citi Double Cash® Card — all three side by side
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-15 against issuer terms · sources: media.chase.com · www.chase.com · creditcards.chase.com. Spot an error? Tell us.