Who it's for
Cash backMore rewards dining outNo annual fee
Chase Freedom Flex
Best no-fee earner for users willing to track rotating categories. Pairs with CSR/CSP to unlock all transfer partners — turning 5% on rotating into the equivalent of 7.5-10x in transfer value.
$964/yrest. value at typical spending
$0annual fee
$0yearly credits
$0fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 3x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 5x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 3x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- 5% cash back on rotating quarterly categories (up to $1,500/quarter spend, activation required)
- 5% on travel booked through Chase Travel
- 3% on dining (worldwide, including takeout and delivery)
- 3% at drugstores
- 2% on Lyft rides through 9/30/27
- 1% on everything else
- $0 annual fee, $0 foreign transaction fee
- Q4 2026 categories: grocery stores (not Walmart or Target), dining, American Red Cross (activate by Dec 14, 2026)
- Pairs with CSR/CSP to convert cash back to transferable Ultimate Rewards
- Complimentary DashPass membership (activate by 12/31/27)
Head-to-head
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- Chase Freedom UnlimitedNo annual fee$1,067est. value/yr
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