This card offers an excellent mix of fixed and rotating bonus categories.

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Snapshot

4.8

Bankrate rating

Rating: 4.8 stars out of 5

Bottom line

If you want a rewards card with great short- and long-term value, this card’s sign-up bonus, intro APR, fixed and rotating rewards categories and additional perks make it a worthy choice.

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On This Page

Chase Freedom Flex® overview

The Chase Freedom Flex® should be one of your top choices if you want a winning combination of bonus rewards and rotating cash back.

The Freedom Flex boasts no annual fee, solid cardholder perks, a terrific blend of everyday bonus categories and one of the most flexible cash back rewards programs available. Each of these benefits is impressive on its own, but together, they make this card one of the best cash back credit cards on the market.

However, quarterly categories may not be the best fit for you if you have consistent spending habits, making earning rewards more complicated than with a cash back card that has fixed categories.

Rewards
- 5 percent cash back on activated bonus category purchases each quarter (up to $1,500 in purchases, then 1 percent) and Chase Travel℠ purchases
- 5 percent cash back on Lyft rides (through September 30, 2027)
- 3 percent cash back on dining (including restaurants, takeout and eligible delivery services) and drugstore purchases
- 1 percent cash back on all other purchases
Expert Appraisal: Exceptional
See our expert analysis
Welcome offer
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Expert Appraisal: Exceptional
See our expert analysis
0% APR offer
- 0% Intro APR on Purchases for 15 months
- 0% Intro APR on Balance Transfers for 15 months
- 18.99% - 28.49% Variable APR
Expert Appraisal: Typical
See our expert analysis
Rates and fees
- Annual fee: $0
- Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash advance fee: $10 or 5 percent of each advance
- Foreign transaction fee: 3 percent of each transaction
- Late payment fee: Up to $40
- Returned payment fee: Up to $40
Expert Appraisal: Typical
See our expert analysis
Other cardholder perks
- Zero liability protection
- Purchase protection
- Extended warranty protection
- Fraud monitoring
- Auto rental collision damage waiver
- Trip cancellation/interruption insurance
- Travel and emergency assistance services
- Cell phone protection
- Complementary DoorDash DashPass membership (for six months if enrolled after Feb. 1, 2025)
Expert Appraisal: Good

Chase Freedom Flex pros and cons

Pros

It offers a lengthy introductory APR, which could help you avoid interest on larger purchases and transferred balances.
Ongoing rewards and rotating categories offer exceptional reward-earning potential.
It carries excellent travel protections and partner benefits for a no-annual-fee card.

Cons

You’ll need to pair it with a higher-tier Chase card to get top redemption value for travel purchases booked through the Chase travel portal or if you want to transfer to Chase travel partners.
You’re required to enroll in rotating categories each quarter to maximize rewards.
Rotating bonus category earnings are capped at $1,500 each quarter, limiting your rewards potential.

First-year value vs. ongoing value

During the first year as a Chase Freedom Flex cardholder, you can benefit from a total value of $819.66. This estimation includes the welcome offer of $200, equating to 20,000 Ultimate Rewards points earned after a $500 spend on eligible purchases within the first three months, as well as yearly rewards amounting to $559.72, or 55,972 Chase Ultimate Rewards points and a complementary DoorDash DashPass for six months worth $59.94 in total value. However, after the first year, the card's ongoing value remains at $559.72, solely from the yearly rewards. With no additional monetary perks to enhance its value in subsequent years, the Chase Freedom Flex card is more lucrative in its first year of ownership compared to its value in the following years — but only by a few hundred bucks.

	First-year value	Ongoing value
Welcome offer	+$200 (worth 20,000 Ultimate Rewards points after spending $500 in eligible purchases on the card in the first 3 months)	–
Yearly rewards	+$559.72 (worth 55,972 Chase Ultimate Reward points)	+$559.72 (worth 55,972 Chase Ultimate Reward points)
Perks (of monetary value)	+59.94 (Six months of complimentary DoorDash DashPass membership if enrolled after Feb. 1, 2025)	–
Annual fee	$0	$0
Total value	$819.66	$559.72

Why you might want the Chase Freedom Flex

The Chase Freedom Flex card is great if you’re new to cash back because it offers boosted rewards rates in several categories (in addition to its rotating categories) and has a relatively attainable welcome offer. Its generous intro APR may also appeal to you if you need to make large purchases or consolidate debt.

Rewards: Offers a wide variety of boosted and rotating categories

Even cardholders who prefer the ease of flat-rate cash back cards can appreciate the Freedom Flex. While most cash back cards earn rewards at either a flat rate on all purchases, or in specific or rotating bonus categories, the Freedom Flex offers the best of both worlds. It includes boosted rewards rates year-round in select categories and quarterly in others, along with a decent flat-rate on all purchases.

The card’s backbone is its rotating 5 percent cash back on up to $1,500 in each quarter’s activated bonus category spending (then 1 percent back). Chase’s bonus categories are announced quarterly and usually feature everyday or seasonal expenses. For the fourth quarter of 2024, you’ll earn boosted rates at McDonald’s, PayPal, at pet shops and on vet services, as well as with select charities.

While the card’s 5 percent cash back categories rotate quarterly, you can earn rewards in other popular categories year-round. For instance, you can earn an unlimited 5 percent cash back on Chase Travel℠ purchases and an unlimited 3 percent back on drugstore and restaurant purchases, including takeout and eligible delivery services.

Other rotating category cards, like the Discover it® Cash Back, offer similar bonus categories, but the Freedom Flex sets itself apart with the additional year-round rewards categories that it shares with the Chase Freedom Unlimited®.

Welcome offer: Best return for your spending available

The Chase Freedom Flex’s current welcome offer clocks in at $200 after you spend $500 within the first three months of card ownership. This bonus offers one of the best welcome offers for a low spending requirement on a card with no annual fee. For instance, a handful of competitors require you to spend between $1,000 and $2,000 to earn a comparable bonus.

A $200 cash back return for spending $500 within your first three months is extremely ideal if you’re a low-spender. That's a 40 percent rate of return if you meet the spending requirement on top of any cash back rewards you earn while earning the bonus.

Intro APR: Standard intro offer with potentially low ongoing APR

Although this card’s introductory APR isn’t the most outstanding offer available to new cardholders, it gives the Freedom Flex a competitive edge compared to other cash back cards. You may also qualify for a relatively low regular APR upon opening your card, helping you keep interest charges low after the intro period. This can come in handy even as the Federal Reserve begins lowering interest rates.

Why you might want a different cash back card

You can find a lot to love with the Chase Freedom Flex, but you may also find the card’s activated rotating categories high maintenance, especially with the quarterly spending cap. You also might face a lot of fees if you happen to miss a payment.

Categories: Rotating categories may be hard to maximize

Quarterly rotating category cards can be limiting if you want to earn rewards on everyday purchases year-round. You may struggle to find outstanding value with the Chase Freedom Flex if you spend primarily in categories outside drugstores and dining purchases. Although 5 percent back is a great rewards rate, you’ll need to lean into the rotating categories every quarter or consistently make Chase Travel℠ purchases, otherwise you may be leaving a lot of rewards on the table. It can also be difficult to maximize long-term since Chase doesn’t release its rotating categories calendar ahead of time.

For a simpler way to maximize your earnings, consider using a rewards card with consistently boosted rates in your top spending categories. If you’re unsure what your top categories are, track your expenses for a month or two to see where you spend most of your money. You can also use Bankrate's Spender Type Tool to help match your spending with the right card. Once you have a better understanding of your spending, you can determine if a tiered rewards card or a flat-rate card is the better option for you.

Rates and fees: No breaks for first-time mishaps

Although the Chase Freedom Flex doesn’t charge an annual fee, it charges for almost everything else, unlike other issuers. If you’re a first-time cardholder or still relatively new to credit, you may need more time to develop positive credit card habits. If this is the case, a more forgiving card could be better for you.

Spending caps: Limits your earnings at the card’s best rewards rate

If you plan to maximize Chase’s rotating categories, you might be disappointed with its $1,500 spending cap for earning 5 percent back in activated categories (1 percent for all spending after this). Some categories may be easy to maximize, while others may prove more difficult, making it hard to create a rewards strategy based on your typical spending.

The card’s ongoing rewards in reliable categories can help compensate for this inconsistency. But if you are a rewards strategist, you’ll want to strategically spend in the rotating categories and combine multiple rewards cards together to maximize the earning potential of the Freedom Flex.

We tried it: Here’s what our experts say

Bankrate staff insights

This new version of the former Freedom card is amazing. It took all the best parts — like the rotating bonus categories — and added more useful 3 percent categories. The intro offer also gave a year of bonuses for grocery and gas spending, meaning this was the only card I used for a long time. I max out the rotating bonus category every quarter to generate 30,000 points annually, which I can use in a variety of ways. The point return for no annual fee card makes this a no-brainer and a go-to for many situations for me. If you want a one-and-done card, look no further.

Ryan Flanigan, Writer, Credit Cards

Best cards to pair with the Chase Freedom Flex

The Freedom Flex is a great card to stack with other credit cards thanks to its diverse earning categories. Pairing the Flex with a card that earns a better flat rate on general purchases or offers more diverse redemption options can help you maximize your rewards.

Bankrate’s take: Consider pairing the Chase Freedom Flex with the Chase Freedom Unlimited and the Sapphire Preferred. This combo creates the powerful “Chase Trifecta,” which offers a better category scope, redemption options and rewards value potential than competing stacks.

How the Chase Freedom Flex compares to other cash back cards

With an eye-catching combination of year-round and rotating bonus categories, the Freedom Flex remains a leader in the no-annual-fee cash back card pack. Nevertheless, depending on where you spend most and how you like to earn rewards, there might be cards that are a better fit.

Chase Freedom Flex®

Bankrate Score

Rating: 4.8 stars out of 5 4.8

Annual fee

$0

Intro offer

$200

Rewards rate

1% - 5%

Recommended Credit Score

Good to Excellent (670 – 850)

Citi Custom Cash® Card

Bankrate Score

Rating: 4.4 stars out of 5 4.4

Annual fee

$0

Intro offer

$200

Rewards rate

1% - 5%

Recommended Credit Score

Good to Excellent (670 – 850)

Chase Freedom Unlimited®

Bankrate Score

Rating: 4.6 stars out of 5 4.6

See Rates & Fees

Apply now

on Chase's secure site

Annual fee

$0

Intro offer

Earn $200 cash back

Rewards rate

1.5% - 5%

Recommended Credit Score

Good to Excellent (670 – 850)

Is the Chase Freedom Flex card right for me?

The Chase Freedom Flex card is at the top of the cash back game without a doubt. It could be worth it if:

You want to rely on earning steady rewards on dining, travel and drugstore purchases.
You're a minimalist spender who still want to earn significant cash back rewards.
You're a rewards strategist who wants to maximize your spending to match the card's rotating bonus categories.
You want to pair it with another card to earn boosted rates across even more categories.
You don’t have a consistent cash back strategy, but don't mind rotating categories and instead enjoy the variety.

Alternative picks

If the Chase Freedom Flex doesn't seem like the best option for you, you may want to consider a different cash back card that has rotating cash back every quarter or more variety in cash back bonus categories.

Discover it® Cash Back

Best for rotating cash back variety

Bank of America® Customized Cash Rewards credit card

Best for reward category flexibility

The information about the Chase Freedom Flex® and Citi Custom Cash® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Frequently asked questions

How we rated this card

150+

cards rated

50+

rewards programs valued

1800

data points analyzed

40+

perks evaluated

We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.

Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest).

We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:

What cardholders think

Chase Freedom Flex®

4.0

43 ratings

75% of customers recommend this card

Score breakdown

5 stars 47%

4 stars 28%

3 stars 14%

2 stars 2%

1 star 9%

Score by category

Overall 4.0 / 5

Extra perks 3.4 / 5

Privacy and security 4.2 / 5

Customer service 4.3 / 5

Online portal or mobile app 4.2 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore Chase Freedom Flex® reviews from certified cardholders.

Search for reviews containing

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Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

Chase Freedom Flex also gives me cash back and I do the same thing as I do with the Citibank card. I use the card heavily for Christmas gifts and then get my cash back a few months later. I only use the cash back feature once per year so it really adds up.

Score by category

Extra perks 4 / 5

Online portal or mobile app 5 / 5

Customer service 4 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?

I would not pay a fee on this card, as I can can all the features I need.

Score by category

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

i enjoy the 1.5% unlimited cash back

Score by category

Extra perks 5 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

Chase stopped fraud. Contacted me if charge was mine. Then shut it down and sent me a new card within 2 days.

Score by category

Extra perks 4 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?

My card did not have an annual fee so I can't answer whether the card features and benefits were worth the cost or if they help offset it.

Score by category

Online portal or mobile app 3 / 5

Customer service 3 / 5

Privacy and security 3 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

I get cash back

Score by category

Extra perks 3 / 5

Online portal or mobile app 3 / 5

Customer service 5 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

Why would you or would you not recommend this card to a friend?

I would recommend it to my friend based on my good experience with the card and how it is accepted anywhere

Score by category

Extra perks 5 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

What made you choose this card?

18 months zero apr

Score by category

Extra perks 4 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Is this card a part of your everyday life, why or why not?

This card is used all the time and I normally pay off any charges I make during the month because I receive my retirement once a month and that saves me a lot in interest and finance charges.

Score by category

Extra perks 5 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

I earn cash back

Score by category

Extra perks 5 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

What made you choose this card?

I was advised by a close friend who actually works for chase bank as a buisness consultant and he pretty much layed out the flexibility and Intrest rates that i could use based on my current situation of work and lifestyle, And so far it has been the best decision i have made in using chase freedom flex.

Score by category

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

What made you choose this card?

I loved the monthly categories as they align with my spending

Score by category

Extra perks 4 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

Very easy to use and fund

Score by category

Extra perks 5 / 5

Online portal or mobile app 4 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Is this card a part of your everyday life, why or why not?

We only use this card to take advantage of the rotating 5% cash back categories.

Score by category

Extra perks 1 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

Why would you or would you not recommend this card to a friend?

A good limit and interest rate.

Score by category

Extra perks 5 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Is this card a part of your everyday life, why or why not?

yes, everyday purchases

Score by category

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Is this card a part of your everyday life, why or why not?

Yes. The apr is good and it's easy to use.

Score by category

Extra perks 5 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

This is a fairly new card for me so I haven't experienced the full benefits yet, but so far I am satisfied with my choice to obtain a card through this company.

Score by category

Extra perks 5 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Is this card a part of your everyday life, why or why not?

Yes because it rewards 5% on travel purchases and 3% on food purchases.

Score by category

Extra perks 5 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Is this card a part of your everyday life, why or why not?

No it is foe emergency expenses.

Score by category

Extra perks 3 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?

I don't think it'll worth it because the benefits ain't so much and I doubt it'll cover the costs

Score by category

Extra perks 4 / 5

Online portal or mobile app 4 / 5

Customer service 4 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

I like the cash back aspect because the more points I earn the more I can pay off the statement with them. That's how I choose to use them but there are other ways

Score by category

Extra perks 4 / 5

Online portal or mobile app 3 / 5

Customer service 3 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

Is this card a part of your everyday life, why or why not?

I always use this card when I am making purchases I very much love the APR rate

Score by category

Extra perks 5 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Is this card a part of your everyday life, why or why not?

Not part ofeverydaaylife trying to pay off balance

Score by category

Extra perks 4 / 5

Online portal or mobile app 5 / 5

Customer service 4 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

benefits are all money credited to my account

Score by category

Extra perks 4 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

Cash Back

Score by category

Extra perks 3 / 5

Online portal or mobile app 4 / 5

Customer service 4 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

Why would you or would you not recommend this card to a friend?

Yes, I like the cash back options.

Score by category

Extra perks 3 / 5

Online portal or mobile app 3 / 5

Customer service 4 / 5

Privacy and security 3 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

I don't have any compliments about it,and as far as the benefits I've got all kinds

Score by category

Extra perks 3 / 5

Online portal or mobile app 4 / 5

Customer service 4 / 5

Privacy and security 2 / 5

Anonymous Cardholder

May 31, 2024

What made you choose this card?

no annual fee and cash awards

Score by category

Extra perks 4 / 5

Online portal or mobile app 4 / 5

Customer service 4 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

What made you choose this card?

I loved everything this card offered and it actually works great

Score by category

Extra perks 5 / 5

Online portal or mobile app 4 / 5

Customer service 5 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

I accumulate points so we can travel. Our last trip took us to Paris and Normandy Beach.

Score by category

Extra perks 4 / 5

Online portal or mobile app 4 / 5

Customer service 4 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

Save enough points for a trip.

Score by category

Extra perks 4 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

Is this card a part of your everyday life, why or why not?

When I use this card, I feel that NY information will stay secure. I like the rewards from this card

Score by category

Extra perks 3 / 5

Online portal or mobile app 5 / 5

Customer service 4 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

Is this card a part of your everyday life, why or why not?

It is easy to keep track of my points from my mobile app.

Score by category

Extra perks 4 / 5

Customer service 3 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

What made you choose this card?

Cash back, no annual fee

Score by category

Extra perks 3 / 5

Online portal or mobile app 3 / 5

Privacy and security 3 / 5

Anonymous Cardholder

May 31, 2024

Why would you or would you not recommend this card to a friend?

Would recommend due to rewards program positivity.

Score by category

Extra perks 3 / 5

Online portal or mobile app 4 / 5

Customer service 4 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Is this card a part of your everyday life, why or why not?

No. I use citi card instead.

Score by category

Extra perks 3 / 5

Online portal or mobile app 3 / 5

Customer service 3 / 5

Privacy and security 3 / 5

Anonymous Cardholder

May 31, 2024

What made you choose this card?

I liked the perks

Score by category

Extra perks 4 / 5

Online portal or mobile app 4 / 5

Customer service 4 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

Non-native English speakers, hard to log on to their web site, bonuses are difficult to earn.

Score by category

Extra perks 2 / 5

Online portal or mobile app 2 / 5

Customer service 1 / 5

Privacy and security 2 / 5

Anonymous Cardholder

May 31, 2024

Why would you or would you not recommend this card to a friend?

this card offers a way to build your credit

Score by category

Extra perks 3 / 5

Online portal or mobile app 4 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

Tell us about an experience you had because of the benefits earned from the card

Reward points

Score by category

Extra perks 3 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 4 / 5

Anonymous Cardholder

May 31, 2024

What made you choose this card?

Very reliable, good company, good reputation

Score by category

Extra perks 5 / 5

Online portal or mobile app 5 / 5

Customer service 5 / 5

Privacy and security 5 / 5

Anonymous Cardholder

May 31, 2024

What made you choose this card?

I offered high reward points for purchases. Since I regularly play my balance each month, this card works well for me.

Score by category

Online portal or mobile app 4 / 5

Customer service 4 / 5

Compare the best cash back credit cards

Written by

Garrett Yarbrough

Writer, Credit cards

Read more from Garrett

Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.

Co-written by

Emily Sherman

Former Senior Editor, Credit Cards

Read more from Emily

Edited by Former Senior Editor, Credit Cards

Reviewed by Former Editor, credit cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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Chase Freedom Flex Review | Bankrate