Editor’s Note: Some links may have the bonus as $150, but a $200 bonus is out there. Make sure you verify the bonus as $200 before signing up.
The Chase Freedom Flex(SM) is a cash back rewards card designed for people who want to maximize their cash back rewards in quarterly categories and don’t mind having to activate them. In addition, you also earn a small bonus and cash back rewards on dining and at drugstores. And if you need to make a large purchase or pay down higher interest credit card debt, the card also offers 0% APR on purchases and balance transfers for the first 15 months. We dive into the details and your approval odds in this Freedom Flex review.
Welcome Offer $200 + 5% gas and grocery store offer
Annual Fee $0
0% on Purchases 15
Reward Rate 1% - 5%
0% on Balance Transfers 15
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.
Features & Benefits
Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability
Auto Rental Collision Damage Waiver, Trip Cancellation Insurance
1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
3% cash back on drugstore purchases
3% cash back
3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
5% cash back
5% cash back on travel purchased through Chase Ultimate Rewards
Interest Rates & Fees
Foreign Transaction Fee
3% of the amount of each transaction in U.S. dollars
20.49%–29.24% (V) APR
0% Intro APR for 15 months on balance transfers, then 20.49%–29.24%(V) APR after that.
Balance Transfer Fee
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
0% Intro APR for 15 months on purchases, then 20.49%–29.24% (V) APR after that.
What Credit Score Is Required to Get the Chase Freedom Flex(SM)
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in
their underwriting process, and these factors can change at any time.