Chase Freedom Flex
Someone who will track and activate the quarterly categories. The cap means the 5% is worth at most $75 a quarter.
Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Reward rates
Rotating quarterly categories, up to $1,500 combined per quarter once activated | 5% |
Travel purchased through Chase Travel | 5% |
Dining and drugstores | 3% |
All other purchases | 1% |
Welcome bonus
$200 bonus after $500 of spending in the first 3 months.
Requirement: $500 in 3 months
Perks
- 0% intro APR for 15 months on purchases and balance transfers
- The 5% categories rotate quarterly, cap at $1,500 of spending per quarter, and must be activated each quarter
Frequently asked questions
Is the Chase Freedom Flex worth it?
It has no annual fee. It's best suited to someone who will track and activate the quarterly categories. The cap means the 5% is worth at most $75 a quarter. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Chase Freedom Flex earn?
It earns 5% on rotating quarterly categories, up to $1,500 combined per quarter once activated, 5% on travel purchased through chase travel and 3% on dining and drugstores.
What credit score do you need for the Chase Freedom Flex?
We'd suggest a score of around 690 or higher, which puts approval in our "moderate" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Chase Freedom Flex Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/chase-freedom-flex, updated August 2026.
- Chase published product page and cardholder agreement