Chase Freedom Flex
5% rotating categories that turn into 5x transferable points in the right setup.
Welcome Bonus
20,000
≈$200 value
Spend Requirement
$500
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $200 cash back
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xRotating quarterly categories ($1,500 cap)
- 5xChase Travel purchases
- 3xDining and drugstores
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Quarterly 5% categories (grocery, gas, Amazon, PayPal historically)
- ✦Cell phone protection
- ✦Points pool into Sapphire accounts
Why it earns its spot
- +5x quarterly categories are free money
- +Cell phone protection on a no-fee card
Where it costs you
- −Must activate categories quarterly
- −$1,500 quarterly cap
- −3% FTF
The Compound Verdict
The third leg of the Chase Trifecta. Activate the category every quarter, cap it when it is grocery or gas, and pool the points into your Sapphire.
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