Chase Freedom Flex^®

Limited Time Offer: Earn a $250 Bonus & Pay No Interest Until 2028

• Limited-time offer: Earn a $250 bonus after you spend $500 on purchases in your first 3 months from account opening.
• Get 0% intro APR on purchases and balance transfers for 15 months (then 18.49% - 27.99% Variable).
• Earn up to 5% cash back with $0 annual fee and no foreign transaction fees.

Updated October 19, 2026

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on Chase's secure website

Rates and fees

Apply Now

on Chase's secure website

Rates and fees

The Chase Freedom Flex^® (Rates and fees) is currently running an incredible limited-time welcome offer for new cardmembers: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening (limited-time offer). On top of the bonus, this could be one of the best times to apply for the Chase Freedom Flex^®, as you'll get to enjoy:

• Incredible cash back on everyday purchases, travel, and more: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
• A long break from interest: 0% intro APR on purchases and balance transfers for 15 months, then 18.49% - 27.99% Variable. Balance transfer fee applies.
• Travel protections: Enjoy trip cancellation and interruption insurance, auto rental collision damage waiver, and travel and emergency assistance services.
• Purchase protections: Get purchase protection and extended warranty protection on eligible purchases made with your card. 
• No foreign transaction fees: Use the card abroad without paying extra on every purchase.

And all of this for $0 annual fee!

Limited-Time Offer

Excellent for elevated cash back

Chase Freedom Flex^®

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4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Chase's secure website

Rates and fees

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months

Regular APR

18.49% - 27.99% Variable

Annual Fee

$0

Rewards Rate

1% - 5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases

Cash Back

Why We Like It

• Our Take: Great for regular travel spending, everyday purchases, and tackling debt with 0% intro APR for 15 months on purchases and balance transfers (then 18.49% - 27.99% Variable).
• Limited-Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening (limited-time offer)
• Cash Back Rewards: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases
• No Annual Fee: Plus other perks like no annual fee, trip cancellation and interruption insurance, auto rental coverage, and travel and emergency assistance services.

Apply Now

on Chase's secure website

Recommended Credit FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent (670 - 850)

Card Details

Card Details

• Limited Time Offer! Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• New Benefit! Earn rewards worldwide with no foreign transaction fees
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

Apply Now

on Chase's secure website

Rates and fees

What you need to know:

You might think you have to pick between a cash back card, an intro APR card, and a travel card. With the Chase Freedom Flex^®, you don't. You can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases. You'll also get 0% intro APR on purchases and balance transfers for 15 months, (then 18.49% - 27.99% Variable). 

Benefits and perks:

• Limited-time welcome offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening (limited-time offer)
• Take a break from interest: 0% intro APR on purchases and balance transfers for 15 months. After the intro period, the APR is 18.49% - 27.99% Variable. 
• Earn cash back on everyday spending and travel: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
• Redeem any amount: No minimum to redeem for cash back. Redeem for a statement credit or an electronic deposit into an eligible Chase account.
• Travel protections: Trip cancellation and interruption insurance, auto rental collision damage waiver (secondary to your personal insurance in the U.S.), and travel and emergency assistance services while you're away from home.
• Purchase protections: Purchase protection covers eligible new purchases against damage or theft for a set period after purchase, and extended warranty protection adds time to eligible U.S. manufacturer warranties.
• No foreign transaction fees: Use the card outside the U.S. without a surcharge on each purchase. Paired with the travel protections above, it works as a solid  travel card with $0 annual fee.

Recommended Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good

670-739

Excellent

740-850

» Apply for the Chase Freedom Flex^®

How the Chase Freedom Flex^® stacks up

The limited-time welcome offer, up to 5% cash back, and 0% intro APR for 15 months (then 18.49% - 27.99% Variable) make the Chase Freedom Flex^® (Rates and fees) tough to beat ... especially with $0 annual fee. But how does it stack up against the competition? See a side-by-side comparison below.

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Chase Freedom Flex®

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Chase's secure website

Rates and fees

Reward Rate Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases

1% - 5% Cash Back

Welcome bonus Limited Time Offer! Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening

$250 Bonus

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months

Regular APR

18.49% - 27.99% Variable

Annual Fee

$0

Recommended
Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent

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Discover it® Cash Back

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Issuer's secure website

Rates and fees

Reward Rate Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

1% - 5% Cash back

Welcome bonus INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Unlimited Cashback Match™

Intro APR

Purchases:
0%, 15 months

Balance Transfers:
0%, 15 months;

Balance transfer fee applies

Regular APR

17.74% - 26.74% (Variable)

Annual Fee

$0

Recommended
Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent

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Bank of America® Customized Cash Rewards credit card

4.5

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Bank of America's secure website

Reward Rate Earn 6% cash back for the first year in the category of your choice, 2% at grocery stores and wholesale clubs, and unlimited 1% on all other purchases. After the first year from account opening, you'll earn 3% cash back on purchases in your choice category. Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum

1% - 6% Cash back

Welcome bonus Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

$200

Intro APR

Purchases:
0%, 15 billing cycles

Balance Transfers:
0%, 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

17.74% - 27.74% Variable

Annual Fee

$0

Recommended
Credit Score FinanceBuzz credit ranges are a variation of FICO®️ scores, one of many types of credit score lenders may use when considering your credit card application.

Good to Excellent

Bottom Line: Who Is This Card Best For?

The Chase Freedom Flex^® is a great choice for anyone who:

• Wants a limited-time welcome offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening (limited-time offer)
• Wants one card for everyday spending: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.
• Wants a break from interest: 0% intro APR on purchases and balance transfers for 15 months, then 18.49% - 27.99% Variable.
• Has good to excellent credit: A credit score of 670+ gives you the best shot at approval.

» Click here to apply now and earn a $250 bonus with this limited-time offer

Seriously Powerful Cashback Card

Chase Freedom Flex^®

Benefits Card Details

• $0 annual fee
• Flexible rewards redemption
• Some travel perks and purchase protection
• Can earn a $250 bonus after you spend $500 on purchases in your first 3 months from account opening (limited-time offer)
• Apply Now

• Limited Time Offer! Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• New Benefit! Earn rewards worldwide with no foreign transaction fees
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

4.7

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Chase's secure website

Rates and fees

Read Card Review

Intro Offer

Limited Time Offer! Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening

Annual Fee

$0

+ -

Why we like it

• With the Chase Freedom Flex^® (Rates and fees), you can earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases .

• With no annual fee, the Chase Freedom Flex is a great option for both regular travel spending and everyday purchases. With the added earning potential of the rotating bonus category, the Flex could be a powerful tool for earning valuable Ultimate Rewards points.

• The Chase Freedom Flex also provides purchase protection and extended warranty coverage.

• Apply Now