What credit score do I need for the Freedom Flex?

A good-to-excellent credit score is generally recommended.

How do I calculate rewards on the Freedom Flex?

Use WalletFlo's reward calculator at /tools/rewards-calc/freedom-flex to model net value on your spending.

Freedom Flex Review — Rewards, Fees & Benefits (2026)

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Travel

Everything else

Dining

Where it wins:
No annual fee — every dollar of rewards and credits is net value.

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 $766.80 in rewards plus $40.00 in credits and perks — $806.80 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.

CategoryRate

TravelChase Travel Portal
5×
Everything elsePayPal
5×
Everything elseLyft
5×
Dining
3×
Everything elseDrug Stores
3×
Everything elseAll Purchases
1×

Welcome offer

250 points

Spend $500 in 90 days
Est. value: $3 (WalletFlo catalog)

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

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.

Credits & perks vs fee

Annual fee−$0

Stated credits+$40

Perks (est.)+$0

Net after credits & perks$40

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

Full Analysis Rewards Calculator

Flo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward Calculator

Estimate annual rewards and net value on your spend.

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Side by Side Compare

Compare against another card with the same spend profile.

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Is the Annual Fee Worth it?

Confirm net value on a no-annual-fee card.

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Points & Miles → $ Converter

Convert points and miles to estimated cash value.

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Awards vs Cash Calculator

Compare redeeming points for travel vs cash back.

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Transfer Partner Calculator

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Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$807/yr

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Estimates for illustrative purposes. See methodology

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FAQ's

Issuers generally look for good-to-excellent credit; exact thresholds vary.
There's no annual fee — focus on whether the earn rates beat cards you already carry.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.