Current offer

Earn $200 cash back

After spending $500 in the first 3 months from account opening. In addition, enjoy 0% intro APR on purchases for 15 months, then a 18.24%–27.74% variable APR. Offer terms apply.

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The point.me verdict

4/5

The Chase Freedom Flex®'s edge over the Unlimited® is its 5% rotating quarterly categories (capped at $1,500), on top of 3% dining, 3% drugstore, and 5% Chase Travel℠. No annual fee. But points only transfer if you hold an eligible Sapphire card, and rotating categories change each quarter, so you can't always plan around them.

What we love

  • $0 annual fee
  • 5% rotating quarterly categories (capped at $1,500)
  • Strong bonuses for a no-fee card: 3% dining, 3% drugstore, 5% Chase Travel℠
  • Transferable points with an eligible Sapphire card

What we don't

  • 5% categories rotate quarterly and aren't known until announced
  • Needs an eligible Sapphire card to make points transferable

Rewards on this card

  • 5%Bonus categories each quarterOn up to $1,500 in combined purchases in bonus categories each quarter you activate. Cap is $1,500 per quarter (combined across bonus categories). New categories each quarter
  • 5%Travel purchased through Chase Travel℠
  • 3%Dining at restaurantsIncludes takeout and eligible delivery service
  • 3%Drugstore purchases
  • 1%All other eligible purchases

See what you’d earn

Set your monthly spend to see what you’d earn in year one, and what it’s worth.

Assumes caps apply per year and capped spend falls back to the base rate.

$476 cash back/yr