Chase · Mastercard
Chase Freedom Flex
Annual Fee
$0
Sign-Up Bonus
$200
Current offer shown; issuer determines eligibility.
Spend $500 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
Optimizers willing to activate quarterly 5x categories
Sign-Up Bonus
Bonus: 20,000 points
Requirement: Spend $500 in 3 months
Estimated value: $200Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
Quarterly categories (up to $1,500/qtr)
Cap: $6,000/yr
Via Chase Travel
Restaurants
Drugstores
Key Benefits
Perks (not counted in our math)
Pros & Cons
Pros
- + No annual fee
- + 5% rotating categories
- + Cell phone protection
- + Points transfer to Sapphire
Cons
- - Must activate quarterly
- - $1,500 cap on 5% categories
- - 5/24 rule applies
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.