You selected the Chase Freedom Flex®. This is the best card for people who want to maximize cashback by tracking bonus categories. Here’s everything you need to know.
💰 How You Earn Cashback
5% → Travel booked through Chase Travel℠
3% → Dining at restaurants (including takeout & delivery)
3% → Drugstore purchases
1% → Everything else
📅 Rotating Quarterly Categories
The 5% rotating categories change every quarter. Recent categories have included:
Chase notifies you when new categories are available. You need to activate each quarter (takes 30 seconds).
🎁 Welcome Bonus Details
Earn $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
Same easy requirement as the Freedom Unlimited — just your normal spending.
👍 Pros & Cons
- 5% on rotating categories (up to $75/quarter)
- 5% on travel, 3% on dining & drugstores
- No annual fee
- Easy welcome bonus ($500 spend)
- 0% intro APR for 15 months
- Cell phone protection included
- Pairs well with Freedom Unlimited
- Must activate categories quarterly
- $1,500 cap on 5% categories
- 3% foreign transaction fee
- Requires good credit (670+)
- Only 1% on non-bonus purchases
💡 Pro Tip: The Chase Combo
→ Use Flex for 5% rotating categories + 3% dining/drugstores
→ Use Unlimited for everything else (1.5% vs 1%)
This way you maximize every purchase.
📋 Who Can Apply
Income: Regular income required
Citizenship: U.S. citizen or permanent resident
Age: 18+ (19+ in some states)
💵 How to Redeem Your Cashback
Your cashback is earned as Chase Ultimate Rewards® points. You can redeem them:
- Statement credit — apply directly to your balance
- Direct deposit — transfer to your bank account
- Gift cards — popular retailers available
- Travel — book through Chase Travel℠
- Transfer to partners — if you have a Chase Sapphire card
No minimum redemption amount. Rewards never expire while account is open.
Ready to Apply?
Application takes about 5 minutes. Most applicants get an instant decision.
Apply Now on Chase.com →
Andrew Brooks is a qualified writer and researcher with experience producing clear, trustworthy content on topics such as personal finance, lifestyle optimization, consumer insights, productivity, and informed decision-making. With an approachable yet professional tone, he focuses on turning complex information into practical, easy-to-understand guidance that helps readers make smarter choices with confidence.