Chase Freedom Flex
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on Chase. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it pays at a typical spend
The family on our home page spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else. Figures as of October 2, 2026, the day the terms were last verified.
At that spending the Chase Freedom Flex nets $482 in year one and $282 every year after, fee included. The biggest line is groceries, at $96. The welcome bonus counts, because this spending reaches $500 inside 3 months. For the family on our home page, it places seventh of the 12 cash back cards we’ve confirmed.
The Capital One Quicksilver, just above it among the confirmed cards, nets $69 more in year one. The Fidelity Rewards Visa Signature, just below it, nets $14 less. Judged on every year after the first instead, it places eleventh of the 12 cash back cards we’ve confirmed.
Who it fits
It fits if
- You will switch on 5x categories every quarter, up to $1,500 each.
- You want no annual fee.
Look elsewhere if
- You will not remember to activate each quarter: unactivated, those categories earn the base rate.
- Most of your spending sits outside its categories: the rest earns 1x.
- You cannot put about $167 a month on it for 3 months: the $200 bonus pays nothing below $500.
- Your credit is fair or thin: approval usually needs good credit.
Plain facts
- Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; issuer does not publish a score).
- The issuer’s terms governRates, fees and bonus conditions are set by Chase and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Chase’s own published terms, last verified October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 9 of the figures it watches here were still printed there. How we check
What people ask about it
Is there a cap on what it earns?
Yes: the 5x quarterly categories stop at $1,500 a quarter. Past a cap, spending earns 1x, and our figures count it that way.
How do you value the welcome bonus?
At the dollar figure the issuer states, $200, and only once your spending reaches $500 in 3 months.
What does it earn on each purchase?
3x on dining and 5x on rotating quarterly categories, and 1x on everything else.
Where it shows up
Every ranking and comparison with the Chase Freedom Flex in it, each computed the same way.
- Chase Freedom Flex vs Chase Freedom UnlimitedChase Freedom Unlimited pays $105 a year more than Chase Freedom Flex, year one and every year after.
- Discover it Cash Back vs Chase Freedom FlexChase Freedom Flex pays $14 more than Discover it Cash Back in year one and $48 more every year after.
More cards like this
- Yearly fee $0Bank of America Customized Cash RewardsBank of America · for your pick of gas, dining or travel, 3x
- Yearly fee $0Capital One QuicksilverCapital One · for one card on everything, 1.5x
- Yearly fee $0Fidelity Rewards Visa SignatureFidelity · for Fidelity account holders, 2x when deposited into Fidelity
The three cash back cards beside this one on our list of every card. See every card