Chase Freedom Flex
By Alex Compton · Last verified
5% rotating categories that turn into 5x transferable points in the right setup.
Welcome Bonus
20,000
≈$200 value
Spend Requirement
$500
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $200 cash back; public offer confirmed unchanged
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-07 | 20,000 | $500 in 3 mo | Terms reconfirmed$200 cash back; public offer and Q3 2026 rotating categories confirmed unchanged | Archive record · no attached snapshot |
| 2026-01 | 20,000 | $500 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2023-01 | 20,000 | $500 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2020-09 | 20,000 | $500 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-09-07 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xRotating quarterly categories ($1,500 cap)
- 5xChase Travel purchases
- 3xDining and drugstores
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Quarterly 5% categories (grocery, gas, Amazon, PayPal historically)
- ✦Cell phone protection
- ✦Points pool into Sapphire accounts
Why it earns its spot
- +5x quarterly categories are free money
- +Cell phone protection on a no-fee card
Where it costs you
- −Must activate categories quarterly
- −$1,500 quarterly cap
- −3% FTF
The Compound Verdict
The third leg of the Chase Trifecta. Activate the category every quarter, cap it when it is grocery or gas, and pool the points into your Sapphire.
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