Chase Freedom Flex® Credit Card
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How we calculate effective rate →
The Chase Freedom Flex® Credit Card from Chase earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening..
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
What does the Chase Freedom Flex Credit Card earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Chase Freedom Flex Credit Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x among the.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Chase Freedom Flex Credit Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Chase Freedom Flex Credit Card reward caps and conditions?
The Chase Freedom Flex Credit Card has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
Who should get the Chase Freedom Flex Credit Card?
The Chase Freedom Flex Credit Card fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
Chase Freedom Flex is the textbook example of rotating categories and activation rules that change real-world value. Madeen shows effective rates with caps and activation in mind so you know when it beats your flat-rate card.
Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Worth keeping for category spend you can activate; use Madeen to see when a simpler card is the safer default.
Pros
- High rotating and fixed bonus categories when activation and caps align
- No annual fee and pairs well with Sapphire cards for point transfers
Cons
- Requires quarterly activation and cap tracking
- Easy to leave rewards on the table if you forget enrollment
What is the Chase Freedom Flex Credit Card welcome bonus?
In Madeen's catalog snapshot, the Chase Freedom Flex Credit Card welcome offer is Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $200
- Terms (catalog snapshot)
- Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
- Minimum spend
- $500
- Window
- 3Months
Does the Chase Freedom Flex Credit Card have an annual fee?
The Chase Freedom Flex Credit Card has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Chase Freedom Flex Credit Card?
The Chase Freedom Flex Credit Card includes 24/7 Fraud Monitoring, Auto Rental Collision Damage Waiver, Cell Phone Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty Protection
$10,000/yrExtends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Purchase Protection
$10,000/yrCovers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Trip Cancellation/Interruption Insurance
$10,000/yrYou can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
Cell Phone Protection
$7,200/yrGet up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Maximum of 2 claims in a 12 month period with a $50 deductible per claim.
DoorDash
$3,600/yrGet 6 months of complimentary access to DashPass– a membership for both DoorDash and Caviar – which unlocks $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027. Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
24/7 Fraud Monitoring
$25/yrWe help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
Travel and Emergency Assistance
$25/yrIf you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
Auto Rental Collision Damage Waiver
$10/yrDecline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Related encyclopedia topics
Common questions about the Chase Freedom Flex Credit Card
Where do cardholders spend most with the Chase Freedom Flex Credit Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), other food and drink (3x) for the Chase Freedom Flex Credit Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Chase Freedom Flex Credit Card have an annual fee?
The Chase Freedom Flex Credit Card carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Chase Freedom Flex Credit Card?
Dining is the strongest Madeen category for the Chase Freedom Flex Credit Card at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Chase Freedom Flex Credit Card charge foreign transaction fees?
The Chase Freedom Flex Credit Card charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the Chase Freedom Flex Credit Card welcome bonus?
The Chase Freedom Flex Credit Card welcome offer in our snapshot: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Chase Freedom Flex Credit Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Chase Freedom Flex Credit Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Chase Freedom Flex Credit Card compare to similar cards?
Compare the Chase Freedom Flex Credit Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Unlimited Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Chase Freedom Flex Credit Card This card | Dining | 3% | $0 |
| Dining | 4.5% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $95 |
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure