Chase Freedom Flex℠ Mastercard®

Popular Flex card with $200 bonus, no annual fee, 15 months intro, and up to 5% cash back rewards

Updated: Apr 14, 2024

Advertiser Disclosure

You can earn anywhere from 3% to 5% cash back rewards in various categories with Chase Freedom Flex Mastercard. You can also get a $200 bonus in 3 months. With no annual fee and a handful of competitive rates, this card is definitely one to consider if you like traveling, shopping, or going out and are looking for a new card.




14.99% - 23.74% Variable



32 User Ratings

Chase Freedom Flex℠ Mastercard®

at Chase's Secured website

Apply Now

Introductory APR


Intro APR Period

15 months

Recommended Credit Score


Key Features

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 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!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99-23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

Our Take

Chase bank gives you lots of ways to earn cash back rebates with the Freedom Flex credit card. Just for satisfying a few spending requirements, you can earn a quick $200 bonus in the first three months. This is a good place to start considering this Mastercard has no annual fee, 15 months introductory, and fast online application. Also, if you like the idea of earning cash back rebates, then you will want to know that this card lets you earn at least 1% on all purchases made. You can also earn up to 5% cash back on purchases made within a select group of rotating categories that change every few months.

What are Freedom Flex℠ Credit Card Benefits?

  • Sign up bonus. Freedom Flex card offers a $200 bonus if new cardholders spend $500 in the first 3 months of account opening.
  • No annual fee. There is no annual fee and the card is free to have for all cardholders and new applicants.
  • Low intro APR. New applicants will receive 0% introductory APR offer for 15 months from account opening on purchases.
  • Great cashback rewards. Cardholders will earn 5% cash back on rotating bonus categories, Lyft purchases, and travel purchased through Chase Ultimate Rewards; 3% cash back on dining and drugstore purchases; 1% cash back on all other purchases.
  • Additional benefits. The card offers World Elite Mastercard benefits that are Cell Phone Protection, Lyft Discounts, World Elite Concierge, Airport Concierge, Boxed Discounts, Mastercard Luxury Hotel and Resorts Portfolio, Complimentary Professional Travel Services, and more. See all World Elite Rewards here.

Are there any Drawbacks?

  • Limited bonus cash back. There is a $1,500 limit on 5% cash back rewards per quarter. In other words, you can earn a max of $75 bonus rewards each quarter.
  • Rotating rewards activation. Cardholders must activate bonus rewards categories by the deadline each quarter. If not activated – no bonus rewards can be earned.

What are Chase Freedom Flex℠ Card Bonus Rewards Categories for 2021?

PeriodRotating Bonus Categories
Q1 (January 1 – March 31)
Activate by MAR 14 (Closed)
– Wholesale clubs
– Select streaming services
– Internet, cable, and phone services.
Q2 (April 1 – June 30)
Activate by JUN14 (Open)
– Gas stations
– Home improvement stores.
Q3 (July 1 – September 30)
Activate by SEPT 14 (Closed)
(In 2020: and Whole Foods Market)
Q4 (October 1 – December 31)
Activate by DEC 14 (Closed)
(In 2020: Walmart; PayPal, etc)

Other Chase Cards

Apply Now
Basic Information
Issuer: Chase
Network: Mastercard®
Category: Consumer (Regular)
Best Used For:
  • Instant Decision
  • Low Interest Rate
  • Intro Bonus
Rewards: Yes
Reward Types:
  • Cash Back Rewards
  • Other Rewards
  • Travel Rewards
  • Dining Rewards
  • Rotating Bonus Rewards
Reward Units: Cash
Rates & Fees
Introductory APR (%): 0%
Applied Towards:
  • Purchases
Intro Period: 15 months
Regular APR: 14.99% - 23.74%
Regular APR Type: Variable
Annual Fee: $0
Balance Transfer: Yes
APR on Cash Advances: 24.99%
Grace Period: 21 days
Late Payment Fee: Up to $40
Other Fees:
  • International transaction fee: 3%
  • Return Check: None
  • My Chase PlanSM Fee: 0% for 15 months, 1.72% thereafter

Chase Freedom Flex℠ Mastercard® Alternatives

Chase Freedom Flex℠ Mastercard®

Chase Freedom Flex℠ Mastercard®


Annual Fee


Regular APR


Intro APR


Rec. Credit Score


*The information provided for Chase Freedom Flex℠ Mastercard® is believed to be accurate at the time of evaluation or recent update on April 14, 2024. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Chase Freedom Flex℠ Mastercard®

Share your experience and rate the Chase Freedom Flex℠ Mastercard®
Chase Freedom Flex℠ Mastercard®

Chase Freedom Flex℠ Mastercard®

Rec. Credit Score: Good

Save to Compare

My Saved Cards (0)

Compare Saved Cards

Market Pro Secure® has made it easy to find the best card offers for you. All you need to do is find the cards you like, click "Save Card", and compare side-by-side.


Advertiser Disclosure

Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.