Chase Freedom Flex
Issued by Chase (JPMorgan Chase & Co.) · Mastercard network · Unsecured consumer card
At a glance
The Chase Freedom Flex is a cash back consumer credit card issued by Chase on the Mastercard network. Its current annual fee is $0, with a 3% of each transaction — announced to drop to $0 effective 2026-09-20 foreign-transaction fee. It is accepting new applications. Terms were last independently verified on 2026-08-17.
Current rates and fees
From the issuer’s official pages and agreement. Each value shows its source, confidence, and last-verified date.
Interest
Chase — official card pageverified 2026-08-17
Chase — official card pageverified 2026-08-17
Fees
Chase — official card pageverified 2026-08-17
The 3% fee is current today. Chase notified cardholders in July 2026 that the fee is being removed on 2026-09-20, paired with the loss of complimentary cell phone protection on the same date. Treat the change as announced, not yet in effect.
Chase — official card page; change reported by multiple industry outletsverified 2026-08-17
Rewards
Chase — official card pageverified 2026-08-17
The 5% rotating tier requires activation every quarter; the 3% dining and drugstore tiers are automatic.
Chase — official card pageverified 2026-08-17
Benefits and protections
Confirm before you apply
Rates, fees, offers, eligibility, and benefits change often. Confirm the final terms directly with the issuer’s official page or the CFPB card-agreement database before applying.
Modeled cost
True cost of this card
True-cost calculator
Illustrative math from this card’s APR. Nothing you enter is stored. This shows costs — it does not predict your rate or approval.
Cost of carrying a balance for a year
| Balance carried | Interest / month | Interest / year |
|---|---|---|
| $1,000 | $6.25 | $75 |
| $3,000 | $18.75 | $225 |
| $5,000 | $31.25 | $375 |
Paying only the minimum on $3,000
124 months
About $1,048.91 in interest (2% minimum, $25 floor).
$5,000 balance transfer (3% fee, 15-mo intro, $300/mo)
$156.63 total cost
$150 upfront fee, plus post-intro interest at 7.5%.
Simplified illustrations. Real interest depends on your exact APR, balance, timing, and payments. The clearest way to avoid all of this is to pay the statement balance in full.
Our independent analysis
Editorial rating
4.24.2 out of 5
How this score was calculated
| Dimension | Weight | Score |
|---|---|---|
| Earning value (net of fees) | 35% | 4.5/5 |
| Fees (annual, FTF) | 20% | 3.5/5 |
| Redemption simplicity | 20% | 4.5/5 |
| Terms transparency | 15% | 4/5 |
| Protections | 10% | 4/5 |
Methodology 2026.07 · full methodology · Credit Defense Hub earns no commission or affiliate revenue from card issuers; editorial scores are independent of any advertising relationship.
A strong no-fee category card whose points pool with Sapphire cards for travel value. Two changes land together on 2026-09-20: the 3% foreign-transaction fee disappears (a gain) and complimentary cell phone protection ends (a loss). If you rely on that phone coverage, plan around the date.
Advantages
- 5% rotating categories plus automatic 3% dining and drugstores
- No annual fee; points pool with Sapphire cards
- Foreign-transaction fee is being removed in September 2026
Watch for
- 5% requires quarterly activation and caps at $1,500 per quarter
- Cell phone protection ends 2026-09-20
- Foreign-transaction fee still applies until that date
Best for: Category optimizers who already hold or plan to hold a Sapphire card.
Credit Defense Hub Editorial Team · reviewed 2026-08-17 · Pending named subject-matter review Editorial analysis is independent and separate from the issuer and from consumer reviews.
Extractable answers
Quick answers
- Who issues the Chase Freedom Flex?
- It is issued by Chase (legally, JPMorgan Chase Bank, N.A.) on the Mastercard network.
- What does the Chase Freedom Flex cost?
- The annual fee is $0, and the foreign-transaction fee is 3% of each transaction — announced to drop to $0 effective 2026-09-20. Verified 2026-08-17. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.
- Is the Chase Freedom Flex accepting new applications?
- Yes, as of our last verification. Availability can change — confirm on the issuer’s page.
- Does the Chase Freedom Flex help build credit?
- Like most major cards, on-time payments and low utilization generally help build history over time; check the issuer’s reporting practices.
- What should someone verify before applying?
- The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.
- What should you do if something goes wrong with this card?
- For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.
Current-fact answers reflect terms verified 2026-08-17; confirm with the issuer before applying.
What consumers report
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If your issue is about credit reporting or a dispute
When to talk to a professional
A consumer review is not a legal finding. If a card issuer reported inaccurate information, denied a valid fraud claim, or you were sued over a balance, those are situations where documenting the facts and — for lawsuits or unresolved FCRA/FDCPA problems — talking to a consumer attorney or legal aid can matter. You can also report issues to the CFPB.
See the issuer’s official page →
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.