Chase Freedom Flex
| Annual fee | $0 Fact |
| Foreign transaction fee | None |
| Rewards currency | cash back |
| Cash back value | 1.00¢ Fact |
Last updated Sep 20, 2026
Checked Sep 20, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
📈 Sign-up bonus history
5-year best: 80,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Sep 2021 to Jan 2023 · 16 mo | 20,000 points | $500 |
| Jan 2023 to Apr 2023 · 2 mo | 80,000 points Best | $500 |
| Apr 2023 to Oct 2024 · 18 mo | 20,000 points | $500 |
| Oct 2024 to Jan 2025 · 3 mo | 15,000 points | $500 |
| Jan 2025 to now · 21 mo | 20,000 points | $500 |
Historical levels reconstructed from periodic snapshots of public offer pages; short-lived offers between samples may be missing. Elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Rotating category | 5% | cash back | $1,500/qtr |
| Travel | 5% | cash back | No cap |
| Drugstores | 3% | cash back | No cap |
| Restaurants | 3% | cash back | No cap |
| Everything else | 1% | cash back | No cap |
Recurring credits
Estimated value| Up to $10 off quarterly on one qualifying non-restaurant DoorDash order for DashPass members through Dec 31, 2027. | $40/yr (Quarterly) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card facts6 months of complimentary DashPass membership for use on DoorDash and Caviar when activated between 02/01/2025 and 12/31/2027; auto-renews at then-current monthly rate after complimentary period.
Break up eligible purchases of $100 or more into fixed monthly payments with a fixed monthly fee instead of interest, durations 3-24 months.
Provides legal and medical referrals and access to other travel and emergency assistance services while traveling away from home.
Decline the rental company's collision insurance and charge the entire rental cost to your card for reimbursement of theft and collision damage; secondary coverage in the U.S.
Reimbursement up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares if trip is canceled or cut short due to covered reasons.
Extends the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from date of purchase.
Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
Earn $50 cash back for each friend who gets a participating Chase Freedom credit card, up to $500 cash back per year.
Eligible cardmembers targeted with cash back offers in the Chase Mobile app or on chase.com; activate offer, shop with same card, receive statement credit within 30 days.
Transfer partners
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.
News on this card
-
Article Aug 22, 2026Is Cash Back Better Than Points? Amex Gold vs. 2% Cash Back
Points do convert to money, at 0.6 cents each. Where a flat 2% card wins, where the Amex Gold wins, and why most people should carry both.