Our illustration in the card’s colours, not its design
Chase credit card
Chase Freedom Flex Credit Card
No annual fee. $250 cash back (USD) after you spend $500 in 3 months. Purchase APR 18.49–27.99%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
“New Cardmember Bonus – $250 Cash Back: To qualify, you must make $500 in purchases during the first 3 months from account opening.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · sites.chase.com
“18.49% to 27.99% , based on your creditworthiness and other factors.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · sites.chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
$250 cash
After you spend $500 on purchases in your first 3 months.
- Spending it takes
- $167 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
Earn a $250 cash back bonus after $500 in purchases during the first 3 months from account opening. Bonus posts within 6 to 8 weeks after qualifying; account must be open and not in default at fulfillment. Not available to current cardmembers or to previous cardmembers who received a new cardmember bonus for this card within the last 24 months. The product page shows a $200 bonus with $250 struck through; the offer details state $250.
- Larger than about 65% of the 48 other cash bonuses we track.
Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
“This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
In dollars
What it’s worth
This card’s rewards are on the issuer’s page; we haven’t confirmed them for this page yet, so we can’t put a dollar value on it. Its fees and rates are below.
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 40% of the 163 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Benefits
- Purchase protection: $500 per item
- Extended warranty
- Trip cancellation: $1,500 per covered traveler and $6,000 per trip
- Rental car
- Emergency assistance
All 6 benefits
- Other
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · sites.chase.com “18.49% to 27.99% , based on your creditworthiness and other factors.” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · sites.chase.com “0% Intro APR” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · chase.com “0% intro APR for 15 months from account opening on purchases and balance transfers. † After the intro period, a variable APR of 18.49%– 27.99%. †” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · sites.chase.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- None · chase.com, since Oct 11, 2026
- Does it charge a foreign transaction fee?
- No. · sites.chase.com, since Oct 2, 2026
- What is the purchase APR?
- 18.49–27.99% APR · sites.chase.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for First 15 months that your Account is open. · sites.chase.com, since Sep 29, 2026
- Is there a welcome bonus?
- $250 cash back after $500 in purchases in 3 months. · chase.com, since Nov 1, 2026