Chase Freedom Flex
Chase · Reward Points · Reward Points
This comprehensive guide covers the Chase Freedom Flex's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Chase Freedom Flex from Chase offers reward points rewards redeemable as reward points. Top earning categories include 5% on rotating quarterly categories and more. This card has no annual fee.
Best for: Grocery, Dining, Fuel, Online Retail
Official product page → Official rules →
Annual fee: $0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 5 pts/$100 5% on rotating quarterly categories (cap: $1,500)
- 5 pts/$100 5% on travel via Chase Travel
- 3 pts/$100 3% on dining
- 3 pts/$100 3% at drugstores
- 1 pts/$100 1% everywhere else
Important Notes
- 5% quarterly categories require activation; capped at $1,500 per quarter (then 1%).
- Points can be transferred to Chase Sapphire cards for 1:1 travel partner transfers.
- 3% dining and drugstore earn rates are uncapped.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Chase Freedom Flex vs Similar Cards
- Chase Freedom Unlimited — Reward Points · $0
- Ink Business Preferred Credit Card — Reward Points · $95
- Ink Business Unlimited Credit Card — Reward Points · $0
Maximize Your Rewards
To earn the highest rewards, use the Chase Freedom Flex for its bonus categories: Grocery, Dining, Fuel, Online Retail, Transit.