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Everyone seems to love the Chase Freedom Flex℠ But why? As you dig into the details of this cash back credit card, you'll quickly discover that it offers something for reward enthusiasts of all kinds.

In addition to one of the highest reward rates of all cash back credit cards

The top 5 reasons everyone loves this card is as follows:

1. Excellent Rewards

Chase Freedom Flex offers a $200 cash bonus when new cardholders spend $500 within 3 months of account opening. From there, cardholders have the chance to earn rewards in a variety of daily spending categories.

It all starts with you earning 5% (after activation) with up to $1,500 in bonus categories that rotate every 3 months, then you earn 1%. The Chase Freedom Flex bonus category tends to vary from year to year, but includes options that most consumers can easily maximize.

< th class="table-inline__header-cell">2021 Category

  • Walmart
  • PayPal
2022 Category 2023 Categories
Q1: January to March
  • Wholesale Club
  • Internet, Cable and Phone Services
  • Selection of Streaming Services
  • Grocery Stores
  • eBay
  • Target
  • Grocery Stores (excluding Walmart )
  • Fitness Club and Gym Memberships
Q2: April to June
  • Gas station
  • Home center
  • Choosing a Streaming Service
  • TBD
Q3: July to September
  • Groceries (excluding Walmart and Target)
  • Choice of streaming services
  • Gas Station
  • Car Rental
  • Entertainment Choices
  • Music Theater
  • <
  • TBD
  • Q4: October December
    • Walmart
    • PayPal
    • undecided

    As if these categories weren't enough, Chase Freedom Flex cardholders will also receive 5% on Chase Ultimate Rewards travel purchases, 5% on Lyft rides (through March 2025), restaurants and drugstores. Earn 3% on your purchases and 1% on your travels. everything else. The combination of reward categories makes Chase Freedom Flex very unique and a win-win for just about everyone.

    2. Flexible Reward Redemption

    While some cash back credit cards only allow rewards to be redeemed for checks included in the mail or statement credit, Chase Freedom Flex stands out in this area as well. Rewards can be redeemed for cashback, gift cards, merchandise, travel with Chase Ultimate Rewards, and points paid with Amazon or PayPal.

    Save even more with one of Chase's premium travel credit cards, including the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. By pairing your cards, you can use a variety of reward cards to maximize your points on every spend and bill. From there, Chase can pool your points into your Premium Travel Card account and redeem them for better travel.

    For example, Sapphire Preferred is worth 25% more points when redeemed for travel through Chase, and Sapphire Reserve is worth 50% more on these types of redemptions. In the meantime, holding either card will unlock the option to transfer points to Chase travel partners such as Air France/KLM Flying Blue, United MileagePlus, Southwest Rapid Rewards, IHG One Rewards and World of Hyatt. will be released.

    3. 0% Introductory APR Offer

    Chase Freedom Flex offers very generous rewards, but that's not all. A new cardholder can benefit from an introductory APR of he 0% on purchases and balance transfers for 15 months, followed by a variable APR between 18.74% and 27.49%. This trial interest rate is useful if you have made a big purchase and need to pay it off over time, or if you want to pay off high-interest debt in one lump sum.

    Please note that the combined debt balance transfer fee is 3% ($5 minimum) of the balance transferred within the first 60 days. After that, the balance transfer fee will be up to 5% (minimum $5).


    Chase Freedom Flex users also have access to a variety of amazing travel benefits, including some travel insurance.

    First of all, the cardholder earns his 5% on trips booked through the Chase portal, including airfare, hotels, car rentals, and more. Not only that, but the card comes with trip cancellation and interruption insurance, as well as collision damage waivers for rental cars. Cardholders also have access to travel and emergency assistance services that can help with medical and legal referrals and other emergency assistance when you're far from home.

    5. Consumer Protection

    Freedom Flex offers up to $800 worth of cell phone protection per bill (up to $1,000 annually). This protection comes into effect when you pay your mobile phone bill with your card. Up to 2 claims per 12 month period are subject to a $50 deductible.

    On the other hand, cardholders are also entitled to purchase protection against damage or theft, valid for up to 120 days after purchase. This will cover up to $500 per claim and up to $50,000 per account.

    Finally, Freedom Flex grants cardholders an additional year of warranty protection for eligible items that already come with a 3-year manufacturer's warranty or less. This extended warranty applies when the item is purchased and paid for with a credit card and is free of charge to the cardholder.

    Why should I consider a different cash back credit card

    There are several reasons to consider a different cashback card or own more than one. For example, one of the major drawbacks of Freedom Flex is that the cardholder only gets her 1% back on spending outside of regular bonuses. For this reason, we recommend pairing it with another card that offers better rewards for regular spending, such as the Chase Freedom Unlimited®* or Citi® Double Cash Card. Be aware that some cards offer this benefit for 15 months or longer. If you want to save interest on purchases, balance transfers, or both, compare Chase Freedom Flex to other top 0% annualized credit cards.


    Chase Freedom Flex is one of the best cash back credit cards on the market today. Generous rates of return in both rotating and daily spending categories help you earn more rewards. is attached.

    *Information regarding Chase Freedom Unlimited® is collected independently by Card details are not verified or approved by the card issuer.