Cash Back card · Chase
Chase Freedom Flex
Chase Freedom Flex is the rotating-category card: 5% back in a new set of categories every quarter, and no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | Chase |
|---|---|
| Network | Mastercard |
| Type | Cash Back |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 5% back in rotating categories that change each quarter (up to the quarterly maximum), 3% back on dining and at drugstores, and 1% back on everything else. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
5% back in rotating categories that change each quarter (up to the quarterly maximum), 3% back on dining and at drugstores, and 1% back on everything else.
Who it is built for
Built for people who are happy to activate a new category each quarter to earn the higher rate.
History
Chase launched Freedom Flex in 2020, replacing the original Freedom card with a rotating-category card that also earns on dining and drugstores.
Current details — visit the official Chase Freedom Flex page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from Chase
Other cards from the same issuer in this library.
- Aer Lingus Visa Signature · Airline · $95 (as of 2026)
- Amazon Prime Visa · Retail · No annual fee (as of 2026)
- British Airways Visa Signature · Airline · $95 (as of 2026)
- Chase Aeroplan Card · Airline · No annual fee (as of 2026)
- Chase Freedom Unlimited · Cash Back · No annual fee (as of 2026)
- Chase Ink Business Cash · Business · No annual fee (as of 2026)
More Cash Back cards
American Express Everyday Card
2 points per dollar at US supermarkets (up to $6,000 in purchases a year), and 1 point per dollar on everything else.
Apple Card
3% Daily Cash back at Apple and select merchants, 2% Daily Cash back on purchases made with Apple Pay, and 1% Daily Cash back on purchases made with the physical card.
Bank of America Customized Cash Rewards
3% cash back in a category the holder chooses (up to $2,500 in combined purchases a quarter), 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else.
Bank of America Unlimited Cash Rewards
1.5% cash back on every purchase, with no spending limit on the flat rate.
Frequently asked questions
What is the Chase Freedom Flex?
Chase Freedom Flex is the rotating-category card: 5% back in a new set of categories every quarter, and no annual fee as of 2026.
Does the Chase Freedom Flex have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the Chase Freedom Flex earn?
5% back in rotating categories that change each quarter (up to the quarterly maximum), 3% back on dining and at drugstores, and 1% back on everything else.
Who issues the Chase Freedom Flex?
The Chase Freedom Flex is issued by Chase and runs on the Mastercard network.
Sources
- https://creditcards.chase.com/cash-back-credit-cards/freedom/flex — Issuer's official card page
Page last updated 14 November 2026.