Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 5x on flights (catalog median is 2x)
- 5x on hotels (catalog median is 2x)
- 5x on other travel (catalog median is 2x)
- No annual fee
- Non-bonus spending earns only 1x
- Bonus rates have spending caps
- Top categories rotate quarterly and require activation
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$336/yr
$336 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$455/yr
$455 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$880/yr
$880 rewards
This card has spending caps or rotating categories not fully modeled above; treat these as upper bounds.
Rewards by Category
Dining
3x
Grocery
1.25x
Gas
1.25x
Flights
5x
Hotels
5x
Other Travel
5x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
5% on rotating quarterly categories (up to $1,500 combined per quarter), 5% on travel through Chase, 3% on dining and drugstores, 1% everywhere else.
- Rotating quarterly categories: bonus rate capped at $6,000 of spend per year ($1,500 per quarter = $6,000/year combined across rotating categories)
Chase Freedom Flex FAQ
What is the Chase Freedom Flex annual fee?
The Chase Freedom Flex has no annual fee.
What is the Chase Freedom Flex signup bonus?
20,000 dollars for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Chase Freedom Flex?
5x on flights, 5x on hotels, 5x on other travel. Everything else earns 1x.
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