Card economics
Chase Freedom Flex
Rotating quarterly 5% categories are not modeled. Results use the card's fixed rates only, so recommendations remain useful for a long-term setup.
Annual fee
No annual fee
Foreign transaction fee
None
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Chase Travel - Flights | 5xPortal only |
| Chase Travel - Hotels | 5xPortal only |
| Chase Travel - Rental Cars / Activities | 5xPortal only |
| Dining | 3x |
| Drugstores | 3x |
| Everything else | 1xBase rate |
Fee calculator
The effective fee is the annual fee minus credits you'll actually use. A $550 card with $400 in usable credits has an effective fee of $150. Adjust credit values based on how much you'll realistically use.Sticker Fee
$0/yr
Credits
-$0
Effective FeeWhat you actually pay after subtracting credits you use. This is the real cost of holding the card — the number that matters for optimization.
$0
Credits & Benefits
Adjust each credit's value based on how much you'll realistically use. 'Easy' credits are straightforward to use (dining, streaming). 'Conditional' credits may require specific merchants or booking methods.Max: $40/yr · counted per year; paid quarterly
6 months of complimentary DashPass, plus up to $10 off one non-restaurant DoorDash order each quarter through 12/31/2027 while enrolled in DashPass. DashPass renews at the paid monthly rate after the complimentary period. Counted at $0: merchant-gated.
Adds this card to your current wallet and keeps your spending. Premium uses your edited credit values; Free uses conservative defaults. The optimizer may recommend a different wallet.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Chase Freedom Flex might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
Comparisons featuring Chase Freedom Flex
Guides that discuss Chase Freedom Flex
- Chase Freedom Unlimited vs Chase Freedom Flex: The Everyday-Floor Tradeoff
- Best Credit Card Combination? What a Solver Picked for 252 Households
- Chase Freedom Flex vs Discover it Cash Back: Which Rotating-Category Card Wins?
- Chase 5/24, Amex Lifetime Language, Citi 48 Months: The Rules That Shape Your Setup