Chase Freedom FlexSM

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases. No annual fee. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

Nav's Verdict

Cost
50% Complete
HighLow
Effort to Apply
10% Complete
DifficultEasy
Card Perks
30% Complete
PoorGood
Features
40% Complete
PoorGood

7/10

Bottom Line

A great card that can yield some serious cash back if you use it for bonus category shopping.

Pros

Favorable intro APR offer. 5% cash back rewards categories that change every quarter.

Cons

You must activate your 5% cash back rewards categories, otherwise you only receive 1% cash back.

Rates and Fees
Intro APR
0% Intro APR on Purchases for 15 months
Purchase APR
14.99% - 23.74% Variable
Annual Fee
$0
Welcome Offer
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
Rewards Rate
5% cash back offer.
Foreign Transaction Fee
3% of each transaction in U.S. dollars

Reviews

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