Chase Freedom Flex
Review the costs, rewards and application terms that matter for your comparison. Confirm the offer shown to you at the issuer before applying.
Published by Fintiex · Updated 2026-09-24 · How we check information
Check current issuer terms ↗
Official source check
Issuer product information and available pricing disclosures reviewed. Terms below apply to the cited public offer; personalized offers and existing accounts can differ.
Selected facts checked 2026-09-24. Official source ↗
Additional issuer source ↗ · Checked 2026-09-20
Additional issuer source ↗ · Checked 2026-09-24
Additional issuer source ↗ · Checked 2026-09-24
Rates and fees
- Annual fee
- $0
- Purchase APR
- 18.24% to 27.74% variable
- Introductory APR
- 0% on purchases and balance transfers for 15 months from account opening; then the regular variable APR applies. Transfers subject to eligibility.
- Balance transfer APR
- 18.24% to 27.74% variable
- Balance transfer fee
- 3% ($5 minimum) in the first 60 days; then 5% ($5 minimum)
- Cash advance APR
- 28.49% variable
- Cash advance fee
- 5% of each advance, $10 minimum
- Foreign transaction fee
- None
Rates shown are the advertised terms in the cited disclosures. Variable APRs can change. Your personalized offer and existing-account terms may differ.
Rewards and welcome offer
$200 after $500 in purchases in the first 3 months. Eligibility restrictions apply.
5% rotating categories on first $1,500/quarter with activation; 5% Chase Travel
- 5% on activated quarterly categories up to $1,500 combined spending per quarter, then 1%.
- 5% through Chase Travel; 3% dining and drugstores; 1% on other eligible purchases.
Before you apply
- Compare the annual cost with benefits you expect to use. Subtract fees and interest from any reward estimate.
- Confirm any bonus spending deadline and eligibility exclusions. Avoid extra spending solely to earn a promotion.
- We do not publish a minimum approval score without an issuer source. Approval depends on the issuer’s assessment of your application.
How to decide whether this card fits
Start with your purpose: everyday spending, travel, managing existing debt, business purchases or building credit history. Compare products serving that purpose, then check the official pricing disclosure. A high reward multiplier only helps on eligible purchases and at a redemption value you can actually use.
Application links do not establish a paid partnership. See our advertising disclosure. No individual financial advice or approval guarantee is provided.
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