Chase Freedom Flex(SM)

Editor’s Note: Some links may have a different intro offer. Make sure you verify the offer 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 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 months. We dive into the details and your approval odds in this Freedom Flex review.

Our Rating

4.7/5.0

Welcome Offer

Earn 5% cash back on grocery store purchases on up to $12,000 spent in the first year (excluding Target® and Walmart®).

Annual Fee

$0

0% on Purchases

15 months

Reward Rate

1% – 5%

0% on Balance Transfers

15 months

Welcome Offer

Earn 5% cash back on grocery store purchases (excluding Target® and Walmart®) on up to $12,000 spent in the first year.

Features & Benefits

SecurityCredit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsCell Phone Protection, Extended Warranty Coverage, Purchase Protection, Free credit score access, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Trip Cancellation Insurance

Rewards

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Drugstores
3% cash back on drugstore purchases
3% cash back
Dining
3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Rotating Categories
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
5% cash back
Travel
5% cash back on travel purchased through Chase Ultimate Rewards

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of the amount of each transaction in U.S. dollars
Regular APR20.49%–29.24% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 20.49%–29.24%(V) APR after that.
Balance Transfer FeeIntro 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.
Purchases0% 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 numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 741

Average Approved Credit Score: 789

App StatusDateCredit ScoreBureauCredit Limit
Approved04/02/2023
741
TransUnion
$14,000
Approved04/02/2023
748
Experian
$14,000
Approved08/02/2023
800
Not Provided
$19,000
Approved10/24/2023
800
Not Provided
$8,600
Approved09/03/2023
795
Experian
$22,500
Approved09/03/2023
847
TransUnion
$22,500
Approved06/02/2023
789
TransUnion
$12,000
Approved06/02/2023
791
Experian
$12,000

Pros & Cons

Pros

  • Excellent cash back rewards
  • Excellent signup bonus
  • No annual fee
  • 0% intro APR
  • Free credit score access

Cons

  • Charges foreign transaction fees
  • Requires good to excellent credit

What Are the Best Alternatives?

Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

Citi Custom Cash® Card
Citi Custom Cash® Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Citi<sup>®</sup> Double Cash Card
Citi® Double Cash Card

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

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