ChaseBest for Rotating 5% categories
Chase Freedom Flex®
Annual Fee
$0
Rewards Rate
1%-5%
Intro Offer
$200
Regular APR
20.49%-29.24% Variable
Chase Freedom Flex®
Chase Freedom Flex®
5% in rotating categories. 3% dining and drugstores.
Our take
No annual fee with 5% rotating categories and 3% on dining and drugstores. Pairs well with Sapphire for point transfers.
Highlights
What we like
5% in rotating categories + 3% dining/drugstores
No annual fee
Pairs well with Sapphire for point transfers
The trade-off
Must activate rotating categories quarterly
3% foreign transaction fee
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 1%-5% |
| Rewards type | Cash back |
| Bonus categories | 3% on dining3% on drugstores5% on rotating |
| Welcome offer | $200 |
| Offer requirements | after $500 in purchases in first 3 months |
Fees & APR
| Annual fee | $0 |
| Intro APR (purchases) | 0% for 15 months |
| Ongoing APR | 20.49%-29.24% Variable |
| Foreign transaction fee | Yes (3%) |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
Yes, this card charges a foreign transaction fee. See the full details section for the specific amount.
How do I earn the welcome offer?
after $500 in purchases in first 3 months
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Chase Freedom Flex®