For people whose normal purchases overlap with the current categories and who can track activation and limits.
Referral disclosure · This product links to its official information page, separately from our Tesla and personal Sapphire referrals. Read the full disclosure
Key earning benefits
| Purchase type | Earning terms |
|---|---|
| Activated quarterly categories | 5% on up to $1,500 combined, then 1% |
| Dining and drugstores | 3% on eligible purchases |
| Chase Travel | 5% on eligible travel |
| Other purchases | 1% |
This is a summary. Merchant categories, eligible purchases and exclusions affect rewards. For full benefits and final terms, see Chase official product information.
Conditions to check before applying
The 5% rate does not apply to all purchases. Check quarterly categories, activation deadlines and merchant classification. Extra spending to reach a cap reduces savings.
Welcome offers vary by application channel and date. Check eligibility, required spending, deadline, APR and fees on the application screen. Spending more or earlier than planned can reduce the actual value of a bonus.
Apply it to your own spending
$1,500 of eligible activated quarterly purchases earns $75 at 5%, or $60 more than 1%. Do not apply the 5% rate to spending beyond the cap.
Frequently asked questions
Is there a credit score that guarantees approval?
No single score guarantees approval. The issuer considers credit history, income and other factors. Read Credit scores and preapproval.
Is a referral offer always better than a public offer?
Compare the conditions for each application channel, including spending requirements and bonus eligibility. Our referral offer guideexplains what to check.
Other cards to compare
Chase Freedom Unlimited · Annual fee $0
Simple everyday cash back without managing rotating categories.
Chase Freedom Rise · Annual fee $0
An entry-level card for people building U.S. credit history.
Sources and update history
Official Chase Chase Freedom Flex product and offer terms ↗2026-09-10 · Original U.S. personal card profile. Based on official sources; calculations use stated assumptions. This is not a first-hand review or individualized financial advice.
Editorial and corrections policyFreedom Flex: review the current terms
Review benefits and application terms on the official product page below.
View official terms (opens in a new tab)Approval, purchases and rewards are subject to the provider’s eligibility rules and terms.