The standout perk of the card_name is its 5% money again on as much as $1,500 on mixed purchases in bonus classes every quarter you activate. It additionally earns 5% money again on journey bought by means of Chase Final Rewards, 3% on eating together with takeout and drugstore purchases, and 1% on all different purchases. It additionally has a sign-up bonus, making it a stable bank card choice for individuals who desire a no-annual-fee card.
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$200 bonus whenever you spend $500 inside three months of opening account |
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20.49% to 29.24% Variable |
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[Review](/article/chase-freedom-flex-review/) |
TIME’s Take
The card_name packs a thunderous punch in a small, no-annual-fee package deal. We suggest it due to its excessive money again charges on rotating bonus classes, Chase Final Rewards Journey, eating, and drugstore purchases. It isn’t good, although – international transaction charges and mediocre cashback charges on non-bonus class purchases maintain it again barely. Nonetheless, the card_name is a wonderful card for these trying to earn the best money again charges.
Who’s the cardboard for?
The card_name is greatest for individuals who need excessive incomes charges on purchases and don’t thoughts handbook activation every quarter. The cardboard additionally works nicely for these with playing cards just like the Chase Sapphire playing cards, which permit transfers to Chase’s journey companions. This enables probably greater redemptions than the one-cent worth factors have when redeemed for money again with the Chase Freedom Flex.
This card additionally works nicely when paired with bank cards just like the card_name, which earns 1.5% on all purchases. The card_name earns 1% on purchases that don’t fall inside considered one of its bonus 5% or 3% classes. Thus, pairing the card_name with the card_name allows probably greater factors earnings.
Rewards construction
The card_name is notable for its 5% rotating classes, nevertheless it has a number of different bonus classes, as outlined under. All different purchases earn limitless 1% money again.
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Earn on as much as $1,500 in mixed purchases per yr in quarterly rotating classes (consists of shops like gasoline stations, grocery shops, and on-line purchases) |
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Journey bought by means of Chase Final Rewards |
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Earn on Lyft rides by means of 3/2025 |
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Eating at eating places, together with takeout and supply |
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The Effective Print
Rates of interest
- Common APR: reg_apr,reg_apr_type.
- Buy Intro APR: intro_apr_rate,intro_apr_duration.
- Steadiness Switch Intro APR: balance_transfer_intro_apr,balance_transfer_intro_duration.
Charges
- Annual Charge: annual_fees
- Steadiness Switch Charge: balance_transfer_fees.
- Money Advance: cash_advance_fee.
Further hidden perks
The card_name has a number of hidden advantages that transcend its money again incomes potential.
- Mastercard World Elite® Advantages: The card_name comes with World Mastercard Elite advantages, together with a $5 Lyft credit score, a one-year membership to Shoprunner, and $5 off from Fandango.
- Cellphone safety: Rise up to $800 per declare and as much as $1,000 per yr in case your cellphone is misplaced or broken.
- Rental automobile collision injury waiver: This profit allows you to decline the rental firm’s collision insurance coverage and cost your complete rental value to your card.
- DashPass and Caviar membership: Get a complimentary three-month membership to DoorDash and Caviar.
- Instacart+ membership and assertion credit score: Get a complimentary three-month membership to Instacart+ and $10 in quarterly assertion credit by means of instacart.
- Journey cancellation/interruption safety: Get reimbursed for as much as $1,500 per particular person and as much as $6,000 in complete in case your journey is canceled or lower brief resulting from issues like illness and extreme climate.
- Roadside help: Get assist 24/7/365 when you’ve got an issue whereas touring by automobile.
- Prolonged guarantee safety: Extends the producer’s guarantee for one yr on eligible warranties lasting three years or much less. Protection is for as much as $10,000 per declare and as much as $50,000 per account.
Card options
card_name
On condition that it is usually a Chase card, the card_name is just like the card_name in some ways. The truth is, the rewards construction of the card_name is sort of equivalent to that of the card_name. The principle distinction is that, as a substitute of 5% rotating bonus classes, you get limitless 1.5% money again with the card_name. Meaning you earn 1.5% money again with the card_name in classes that might earn 1% with the card_name.
Because of this, the card_name is best seen as a praise to the card_name slightly than a competitor. Including each playing cards to your pockets will permit you to earn greater money again charges total.
Nice for Money Again, Not as Nice for Non-Bonus Classes
The card_name provides stable rewards for individuals who need to earn money again. It has no annual price and provides 5% quarterly classes and some different 5% and three% classes. Nevertheless, it solely earns 1% on non-bonus classes, and its foreign_transaction_fee international transaction price may very well be a deal-breaker for individuals who journey internationally. But when that isn’t a priority, this may very well be a robust selection for these searching for a money again bank card.
Regularly requested questions (FAQs)
How is the card_name totally different from the unique?
The card_name and the card_name each have 5% quarterly bonus classes. Nevertheless, the card_name builds on the success of the card_name and provides extra classes with mounted money again charges. These embrace 5% money again by means of Chase Final Rewards, 3% cashback on eating, and three% cashback at drugstores.
Can I mix card_name rewards with different Chase playing cards?
Sure. It’s attainable to mix card_name factors with factors on a number of in style Chase playing cards, together with card_name, card_name and card_name.
What’s the credit score restrict and the minimal credit score rating required?
Whereas there are not any concrete figures right here, you’ll obtain a credit score restrict of at the least $500 on the card_name if accepted. Your restrict could also be greater, relying in your creditworthiness.
There’s additionally no particular minimal credit score rating wanted to use. Nevertheless, you typically want good to wonderful credit score to be accepted for this card (credit score rating of 670 to 850).
Do the card_name factors expire?
Your Chase Final Rewards factors by no means expire so long as your account stays open. Nevertheless, you may lose your factors robotically within the occasion of a chapter, misuse, failure to pay or fraud.
Which streaming companies are eligible for quarterly bonus class money again with the card_name?
The bonus class for Q1 2023 for the card_name consists of grocery Shops (excluding Walmart and Goal), health golf equipment, and fitness center memberships. Nevertheless, a number of streaming companies have been eligible for five% money again up to now, together with Netflix, Disney+, Hulu, ESPN+ and HBO Max.
How one can enhance card_name restrict?
The restrict on the card_name won’t usually enhance robotically. Nevertheless, you may name the quantity on the again of your card and request a rise.
Is the card_name a Visa or Mastercard?
The card_name is a Mastercard and consists of Mastercard World Elite program advantages.
The data offered right here is created independently from the TIME editorial workers. To study extra, see our About web page.