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Chase · credit
Last updated
Welcome offer — $200 bonus after $500 spend in 3 months Inferred by source
Recently changed — 1 update. See below ↓
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 5× | Rotating quarterly categories (activate) — Up to $1,500/quarter, then 1% Inferred by source |
|---|---|
| 5× | Travel via Chase Travel Inferred by source |
| 3× | Dining & drugstores Inferred by source |
| 1× | Everything else Inferred by source |
No lounge access.
| Rental car CDW | Secondary theft/damage coverage Inferred by source |
|---|---|
| Trip cancellation | Up to $1,500/person Inferred by source |
| Purchase protection | Up to $500/claim against damage or theft for 120 days from purchase (90 days for NY residents); $50,000/account/year Verified by source |
| Extended warranty | Extends manufacturer's warranty by 1 additional year on warranties of 3 years or less (up to 4 years total) Verified by source |
| Cell phone protection | Up to $800/claim, $1,000/12-month period; max 2 claims; $50 deductible; monthly bill must be paid with card. ENDS Sep 20 2026 — covers losses incurred through Sep 19 2026 Inferred by source |
Using Freedom Flex at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance plus the 3% foreign transaction fee — and the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
Foreign transaction fee drops from 3% to none — rare for a no-annual-fee card — but Cell Phone Protection is discontinued the same day (covers losses incurred through Sep 19 2026).
Live figures above reflect what's true today; announced changes are flagged, not pre-applied. See all recent changes
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Chase Freedom Flex® has no annual fee.
The Chase Freedom Flex® earns 5% rotating quarterly categories (activate, up to $1,500/qtr), 5% travel via Chase Travel, 3% dining & drugstores, 1% else.
No — the Chase Freedom Flex® does not include airport lounge access.
Yes — the Chase Freedom Flex® charges a 3% foreign transaction fee.
$200 bonus after $500 spend in 3 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.
Yes. Most recent change (announced 2026-07-15): Foreign transaction fee drops from 3% to none — rare for a no-annual-fee card — but Cell Phone Protection is discontinued the same day (covers losses incurred through Sep 19 2026).