Live this quarterQ4 2026 · Oct – Dec

5x rotating category bonus

grocery stores · dining · American Red Cross donations

Earn 5% on up to $1,500 in combined purchases each quarter (then 1%). Activation required.

Chase

Chase Freedom Flex

Annual fee

Welcome bonus

200$250Elevated offer

Foreign txn fee

Apply at Chase

Referral or affiliate link. If you apply through it, we may earn a commission at no extra cost to you. Details.

You could earn 10x with Paze on this cardThis card could earn 10x bonus points when you pay with Paze at participating stores, on up to $1,500 in purchases a month through December 31, 2026. Check your Chase app to see if the offer shows on this card, then activate Paze once.Read the guide →

Good to know before you apply

The welcome bonus is a limited-time $250 after $500 in 3 months (up from the usual $200), about as low a hurdle as you will find. This card is designed to get into your wallet fast, and the spend requirement is genuinely achievable without manufacturing anything. Chase has not published an end date, and the offer is not available if you hold this card now or got a new cardmember bonus for it in the past 24 months.
The 5x rotating categories are the headline act, but they require activation EVERY quarter - miss the window and you earn 1x on that category for the entire quarter, which is the single most common way people leave value on the table with this card.
The quarterly mix swings hard: Q4 2026 (October through December) is grocery stores (Walmart and Target do not count), dining, and American Red Cross donations, and you have to activate each quarter, with Q4 activation opening September 15, 2026. A category that earns aggressively one quarter can earn mediocrely the next, so this card takes more active management than a flat-rate card. Check chase.com/freedom for each quarter's live lineup.
The 3x on dining and 3x on drugstores are permanent, not rotating - those rates don't require activation, don't have spend caps, and are easy to forget you have because the quarterly categories get all the attention.
It charges no foreign transaction fee, so it is a solid card to use abroad.
The $0 annual fee means the math is almost always positive if you're already spending in the bonus categories - the real question isn't whether to GET the card, it's whether you'll actually remember to activate the quarters.

The Chase Freedom Flex is the no-annual-fee overachiever of the cash-back world: rotating 5% quarterly categories (up to $1,500/quarter) stacked on top of permanent 5% Chase Travel, 3% dining, and 3% drugstore rates. Pair it with a premium Chase card to convert those cash-back points into transferable Ultimate Rewards gold.

Welcome bonus

What you get for signing up and hitting the minimum spend.

$250 · $500 spend in 3mo

See the offer →

🕐 Limited-time offer

This is an elevated, limited-time offer. The standard bonus is 200 USD.

$250 after spending $500 in the first 3 months.

Limited-time $250 after $500 in the first 3 months, per the Chase page 2026-10-01. Not available if you hold this card now or got a new cardmember bonus for it in the past 24 months. Chase has not published an end date.

Earn rates

How many points per dollar across categories.

5 categories · top rate 5x

See the multipliers →

Card-level multipliers. Earn currency: Chase Ultimate Rewards.

Category	Rate	Notes
Travel (through portal)	5x	Travel purchased through Chase Travel℠
Rotating quarterly	5x	Must activate each quarter. Q4 2026 (October through December): grocery stores (not Walmart or Target), dining and American Red Cross donations. Activation opens September 15, 2026.
Dining	3x	Includes takeout and eligible delivery services
Drug stores	3x
All other purchases	1x

Unlock transfers

Pair this card with a travel card in the Chase Ultimate Rewards family to unlock transfers to airline + hotel partners.

Pair with a travel card to unlock partners

See your unlock cards →

💡 Pair with another travel card to unlock transfer partners. Points earned on this card become transferable to airline + hotel partners when you combine them into one of these Chase Ultimate Rewards travel cards:

You can combine across your own personal + business cards from the same issuer (Chase allows household-member pooling too with a one-time setup; Citi keeps it to your own cards only). Check your issuer's rules for details.

Without one of the travel cards above, points on this card redeem at fixed cash-back / portal value only.

Cardholder experiences

Members-only events, dining access, and special experiences bundled with this card.

1 program

Browse the portals →

Chase Experiences

Chase's cardmember-exclusive events portal --- dining series, chef collaborations, concerts, sports, cultural events. Open to all Chase consumer credit cardholders.

🔒 Access this perk through your cardmember account at the issuer's website or app.

Statement credits

Bill credits and recurring perks that offset annual fees.

1 benefit

See the details →

DashPass Complimentary Access

6 months of complimentary DashPass access unlocking $0 delivery fees and lower service fees on eligible DoorDash and Caviar orders. After 6 months, auto-enrolled at current monthly rate. Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders. Activate by Dec 31, 2027.

Travel & rental insurance

Trip protection, rental car coverage, baggage, accident coverage.

2 benefits

See the details →

Trip Cancellation and Interruption Insurance

Reimbursement up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares if trip is canceled or cut short by sickness, severe weather, or other covered situations.

Auto Rental Coverage

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to personal insurance.

Purchase & travel protection

Purchase, extended warranty, cell phone, and fraud protections.

3 benefits

See the details →

Purchase Protection

Covers eligible new purchases for 120 days from date of purchase against damage or theft, up to $500 per item.

Extended Warranty Protection

Extends the manufacturer's U.S. warranty by one additional year on eligible warranties of three years or less, up to four years from date of purchase.

Cell Phone Protection

Up to $800 per claim and $1,000 per 12-month period against covered theft or damage for cell phones on your monthly bill when paid with the card. Max 2 claims per 12-month period; $50 deductible per claim.

Other

Other perks on this card.

6 benefits

See the details →

Travel and Emergency Assistance

Provides legal and medical referrals and access to travel and emergency assistance services when traveling away from home. Cardholder is responsible for cost of goods or services obtained.

Zero Liability Protection

Cardmember won't be held responsible for unauthorized charges made with the card or account information.

24/7 Fraud Monitoring

Chase monitors card purchases for fraud 24/7 and can contact cardholder via text, email, or call if unusual purchases are detected.

No Minimum Redemption

Cash Back rewards do not expire as long as the account is open, and there is no minimum amount required to redeem for cash back.

Cash Back Rewards Do Not Expire

Cash Back rewards do not expire as long as the account is open.

No Minimum to Redeem for Cash Back

There is no minimum amount required to redeem cash back rewards — redeem any amount, anytime.