5% on rotating quarterly categories, 3% on dining — all with no annual fee.
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Good–Excellent credit — 670+ FICO typical; Chase 5/24 applies
ClearValue Rating: 4.3 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Category optimizers who track quarterly 5% offers and want the Freedom Flex to complement a Freedom Unlimited or Sapphire card.
The Chase Freedom Flex has no annual fee and no foreign transaction fee. The intro APR is 0% for 15 months on purchases and qualifying balance transfers; the regular variable APR applies after that. Ongoing, the card earns 5% on rotating quarterly categories (up to $1,500/quarter after activation), 3% on dining and drugstores, and 1% on everything else. Verify the current regular APR and welcome bonus at chase.com.
| Year 1 value | Ongoing value |
|---|---|
| Welcome bonus (verify current offer) + 5% rotating categories + 3% dining + 0% APR for 15 months | 5% rotating (activated quarterly) + 3% dining/drugstores + 1% else; no annual fee |
| Pair with Freedom Unlimited to maximize both rotating 5% and 1.5% base on all other spending | |
Chase Freedom Flex® — 5% on rotating quarterly categories, 3% on dining — all with no annual fee. Best for: Category optimizers who track quarterly 5% offers and want the Freedom Flex to complement a Freedom Unlimited or Sapphire card.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Chase rotates the 5% categories quarterly. Common past categories have included gas stations, grocery stores, Amazon.com, PayPal, home improvement stores, and wholesale clubs. The Q3 and Q4 2026 categories must be verified at chase.com — they had not been announced as of June 3, 2026. Activation is required each quarter; failing to activate means spending in the featured category earns only 1%.
For Chase ecosystem builders, yes — this is one of the most efficient two-card setups available. Freedom Flex captures the 5% rotating categories; Freedom Unlimited earns 1.5% on everything else. Combined, you're maximizing category earning with no annual fee on either card. Both cards' points combine in your Chase account and transfer to Sapphire-level partners if you add a Sapphire card.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. The Chase Freedom Flex® is issued and operated by JPMorgan Chase Bank, N.A. APRs, fees, and terms are determined solely by Chase and may change — verify current terms at chase.com before applying.
No — Chase Freedom Flex does not charge a foreign transaction fee, as disclosed by Chase (verified June 2026). This makes it one of the few 5% rotating-category cards with no FX surcharge on international purchases. Most competing no-annual-fee category cards charge 3% internationally. Combined with no annual fee and 3% on dining, Freedom Flex is a strong choice for domestic and international use. Confirm current terms at chase.com.
Per Chase (verified June 2026), Freedom Flex cardholders who pay their monthly cell phone bill with the card receive cell phone protection covering theft and damage up to $800 per claim, with a $50 deductible, for up to 3 claims per 12-month period. The protection applies to phones listed on the wireless bill paid with the card. Confirm current benefit limits and exclusions in the Chase Guide to Benefits at chase.com.
Not on their own — Freedom Flex earns Ultimate Rewards points, but the Freedom Flex card does not have direct access to Chase's airline and hotel transfer partners. To unlock 1:1 transfers to airlines and hotels (Air Canada, United, Hyatt, etc.), you must hold a Chase Sapphire Preferred or Reserve and combine your Freedom Flex points into that account. Per Chase (verified June 2026), points pool automatically when accounts are linked. Confirm current transfer partner terms at chase.com.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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