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The Chase Freedom Flex Review

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Choose FI has partnered with CardRatings for our coverage of credit card products. Choose FI and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

The Chase Freedom Flex card is a straightforward, no annual fee, cashback credit card.

If you’re a fan of Chase’s other credit cards and want one that rewards you you shopping in specific categories, the Chase Freedom Flex credit card is the one for you.

Here’s a quick overview of what the Chase Freedom Flex offers:

  • No annual fee
  • $200 sign up bonus when you spend $500 in the first three months
  • Earn 5% cashback on up to $1,500 in combined purchases each quarter on bonus categories you activate.
  • Plus, earn 5% back on Chase travel purchased through Ultimate Rewards® 3% on dining and drugstores, and 1% everywhere else.
  • 0% Intro APR for 15 months from account opening on purchases

Flexible Chase UR Points & Cashback Card

The Chase Freedom Flex has no Annual Fee (AF) and earns Chase UR points.
Details: No AF | $500 spend in 3 months to earn $200.

Chase Freedom Flex Features

The Chase Freedom Flex is the perfect card for anyone who wants a cashback credit card that rewards them for spending in specific categories. Here are the details.

Annual fee

There’s no annual fee for using the Chase Freedom Flex credit card.

Rewards

The Chase Freedom Flex offers 5% cashback on up to $1,500 in purchases made in rotating categories you activate. Categories rotate each quarter and helping you to really ramp up your earnings. Even when you don’t max out the limit that quarter, the rewards you earn never expire! So save them up for that family vacation you’ve been dying to go on.

Even if while you’re still accumulating rewards to put toward travel, the Chase Freedom Flex earns a whopping 5% on Chase travel purchased through Ultimate Rewards® every day of the year.

It also rewards you for spending in categories you likely already use. Cardholders will earn 3% cashback for spending on dining and drug stores.

For all other spending, the Chase Freedom Flex earns an unlimited 1% cashback.

Best of all, you can also redeem your rewards at any time. There are no minimum rewards required to start redeeming.

Sign-up bonus

Chase Freedom Flex card offers a bonus of $200 if you spend $500 in the first three months of having the card. That’s a fantastic return on $500 in spending!

Contactless pay

If you want to check out quickly using your Chase Freedom Flex credit card, you can set up contactless and all you’ll have to do is tap your card at any checkout counter that has the contactless symbol.

Extra features offered by the Chase Freedom Flex

Free credit score

Chase has joined many of the credit card companies that offer you a free credit score, updated weekly. All you have to do is click on the ‘Your Credit Score’ section once you’ve logged into your Chase account.

Security

The Chase Freedom Flex card (and all Chase cards) offer great security features to keep your account safe. They offer the following:

  • Fraud protection
  • Fraud alerts
  • Zero liability protection–meaning you’ll never have to pay for any fraudulent charges made with your card
  • Purchase protection–This covers any new purchases for 120 days against damage or theft up to $500 per claim

Redemption option #1–Cash

If you get the card, you likely enjoy the convenience of cashback. So, we’ll start the redemption process by talking about how you can redeem your rewards for straight cashback.

Like other Chase credit cards, the Chase Freedom Flex earns Chase Ultimate Rewards points. Unlike other cards, however, there’s no minimum needed to start redeeming rewards. To get cashback, you can choose to receive a statement credit or do a direct deposit into most U.S. banks.

Redemption option #2–Book Travel

While we don’t recommend the Chase Freedom Flex as the best travel rewards credit card, you can redeem your rewards through Chase’s travel portal.

If you looking to earn more travel rewards than the Chase Freedom Flex can offer, check out the Chase Sapphire Preferred or Chase Sapphire Reserve.

If you book through Chase Ultimate Rewards, your points can go towards:

  • Flights
  • Hotel stays
  • Car rentals
  • Vacation rentals
  • Cruises

Chase’s portal makes it easy to find flights and lodging, and they’ll tell you next to each flight/hotel/etc. how many points equals a free flight/stay.

You can transfer points to the following airlines:

  • British Airways Avios
  • Aer Lingus AerClub
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • JetBlue TrueBlue
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • World Of Hyatt
  • IHG Rewards Club
  • Marriott Rewards
  • Flying Blue
  • Iberia Plus

If you’d like to learn more about Chase Ultimate Rewards here’s a full explanation.

Redemption option #3–Amazon

If you’re a frequent Amazon shopper, you can use your rewards through Amazon. All you have to do is link your Chase card to Amazon and you can use your points at checkout.

Your points can even count towards shipping and tax.

Redemption option #4–Apple

You can now use your Chase Freedom Flex rewards through Apple to pay for any purchases. Currently, 100 Chase points are equal to $1 at Apple.

Redemption option #5–Gift cards

Finally, if you want a simpler way to use your points, you can get your points credited to your account, or you can buy gift cards.

Click here to compare this card and find the card that’s best for you.

Why you should use the Chase Freedom Flex credit card

If you’re looking for a card to give your cashback earning a real boost, the Chase Freedom Flex card is perfect. Activation is required to begin earning 5% in its rotating categories each quarter, but it also earns an unlimited 1% cashback on all non-category purchases. And finally, there’s no annual fee!

Click here to compare this card and find the card that’s best for you.

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Choose FI has partnered with CardRatings for our coverage of credit card products. Choose FI and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.
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