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Chase Freedom Flex 2022 review: Up to 5% return


Main advantages

$200 sign-up bonus

You only need to spend $500 on purchases in the first three months to receive this $200 bonus. With such a low minimum spend, this is one of the easiest sign-up bonuses to get.

Cash Rewards Program

The Chase Freedom Flex℠ has a long list of bonus categories. Here are the card’s cash back rates:

  • 5% back on up to $1,500 in combined quarterly purchases in bonus categories you activate
  • 5% back on trips you book with Chase Ultimate Rewards points.
  • 3% back in restaurants, which includes takeout and orders via eligible delivery services
  • 3% back in pharmacies
  • 1% cashback on all other purchases

With so many popular categories where you can earn bonus money, this card is ideal for maximizing your credit card rewards.

No annual fee

You can add the Chase Freedom Flex℠ to your wallet for free. You get great value for money with no-annual-fee cards that pay rewards because you get money back on your spending and the card itself doesn’t cost a penny.

0% introductory APR

For the first 15 months, this card has an introductory APR of 0% on purchases and balance transfers. If you have a big expense coming up that you can’t pay in full right away or want to pay off your debts faster, the Chase Freedom Flex℠ gives you plenty of time to do so.

No minimum redemption

A useful and underrated benefit of Chase credit cards is that you can redeem any amount of rewards you want, even as little as $0.01 in cash back. Some credit cards make redemptions more inconvenient by requiring you to first collect a minimum cashback amount, such as $20 or $25.

Other benefits to consider

The Chase Freedom Flex℠ includes valuable benefits beyond its flagship line of benefits. These include:

  • Cell Phone Protection: When you pay your monthly cell phone bill with your Chase Freedom Flex℠, you get free protection against covered theft or damage.
  • Free Credit Score: Chase’s Credit Journey app is a useful tool for getting a free credit score, along with helpful tips, protections, and alerts.

Learn more: A Guide to Chase Freedom Flex Card Benefits