Chase
Freedom Flex
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Card review
Freedom Flex
Chase
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$392/yr
Credit score
Varies
Top earn rate
5x travel
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Freedom Flex from Chase carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $351.60 in rewards plus $40.00 in credits and perks — $391.60 net per year before welcome bonuses.
How the points work
5X on rotating categories up to $1,500 each quarter. Learn more!
5X on Chase Travel purchased through Chase Ultimate Rewards
5X on Lyft till March 2025
3X on dining at restaurants, including takeout and eligible delivery services
3X on drugstore purchase
1X on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| TravelChase Travel Portal | 5× |
| Everything elsePayPal | 5× |
| Everything elseLyft | 5× |
| DiningDining | 3× |
| Everything elseDrug Stores | 3× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- Instacart$40/yr
Earn up to $10 per quarter from 8/1/2022 through 7/31/2024 when you activate at Instacart.com/Chase.
Benefits & perks
- DashPass
Complimentary 3 months of DashPass and 50% discounted DashPass from DoorDash for 9 months. Must activate by 12/31/2021.
- Instacart+
Receive one complimentary Instacart+ membership per eligible card account for 3 months
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
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Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.