THE CARDTUNED DATABASE
Chase Freedom Flex
Issuer: Chase · Network: Mastercard
5% on up to $1,500 combined purchases in rotating quarterly categories after activation; 5% Chase Travel; 3% dining and drugstores; 1% other
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- 0% intro APR for 15 months on purchases and balance transfers
- Regular APR
- 18.24%–27.74% variable after intro period
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
$250 bonus after $500 in purchases in the first 3 months from account opening
- Spending requirement
- $500 in purchases
- Time window
- First 3 months from account opening
Offer last checked: 2026-09-28
Earning rates
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| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5% | on up to $1,500 combined purchases in rotating quarterly categories after activation Activation required |
| Travel | 5% | Chase Travel Eligible travel purchased through Chase Travel; no quarterly reward-category activation required for this earning category. Activation not required |
| Dining & Drugstores | 3% | dining and drugstores Eligible dining (including takeout and eligible delivery) and drugstore purchases; merchant coding applies. No quarterly reward-category activation required for these categories. Activation not required |
| Other purchases | 1% | other Eligible purchases outside higher-earning categories; no quarterly reward-category activation required for the base rate. Activation not required |
Additional benefits
• Introductory APR terms are available, subject to the application and card agreement.
Restrictions to know
5% rotating category requires activation and applies to first $1,500 in combined category purchases each quarter.
Who can apply
U.S. applicant of legal age; subject to Chase credit approval, identity and income verification, and current product/application rules.
Credit profile: Not Public / issuer underwriting applies
Before you choose
Plan around the rotating calendar
Check the current quarterly categories, activation deadline and spending cap before estimating rewards. A category that was useful last quarter may not match your spending this quarter.
Estimate value using purchases you would make anyway. Keep a fallback card for nonbonus spending and do not assume rewards from a temporary category will continue all year.