Best For
Rewards Rate - Cashback
- 5% cash back in quarterly bonus categories.
- 5% on travel purchased through Chase Travel℠.
- 3% on dining at restaurants, including takeout and eligible delivery services.
- 3% on drugstore purchases.
- 1% on all other purchases.
- Intro offer
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening
- Annual fee
- $0
- Regular APR
- 18.99% – 28.49% Variable APR
- Recommended credit
- 690–850 (Good to Excellent)
- Travel Perks
- None
Highlights
- Rotating quarterly bonus categories on everyday purchases when activated.
- Elevated earn on travel booked through Chase Travel℠.
- Enhanced rewards on dining (including takeout and delivery) and at drugstores.
- Cell phone protection (with your monthly bill paid on the card) and other Visa benefits.
Who is this card good for?
- Planners who route spend into rotating categories to maximize returns.
- Travelers who will book flights and hotels through Chase Travel.
- Foodies and families with steady dining and drugstore spend.
- Users building a Chase Ultimate Rewards® setup with a Sapphire card.
Pointalize Opinion
Pros
- Excellent upside via rotating categories and portal travel.
- Strong dining and drugstore earn for a no‑fee card.
- Pairs powerfully with Sapphire for premium redemptions.
Cons
- Requires quarterly activation and some tracking to capture full value.
- Non‑bonus purchases earn a base rate only.
Pointalize Final Thoughts
Freedom Flex shines when you engage with its calendar: activate, plan and use Chase Travel for outsized returns—especially if you pair it with Sapphire.