Chase
Chase Freedom Flex
Ongoing benefits can outweigh the annual fee if used
- Annual fee
- None
- Welcome offer
- ~$300
- Annual benefits value
- $900
- Est. 1st-year value
- $1,200
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Is this card worth it for you?
Check the benefits you’d realistically use and see your personalized total value below. This is a personal estimate — actual value depends on your spending. Verify terms with the issuer.
- Selected benefits
- $900
- Welcome offer
- $300
- Annual fee
- +$0
- Estimated first-year net
- +$1,200
Welcome offer
Welcome offer value
Earn 20,000 points after $500 in spend within 3 months
$300
Spend requirements apply. Verify current offer with the issuer. How we calculate this
Benefits & credits
Total benefits & credits value
Estimated annual value of all tracked perks
$900
| Benefit | Frequency | Est. annual value |
|---|---|---|
Activate 5% Quarterly Categories (up to $1,500 spend) 5% cash back on up to $1,500 in combined purchases in rotating quarterly bonus categories each quarter after activation ($75 max per quarter). | Quarterly | $300 |
Cell Phone Protection Up to $800 per claim (max two claims per year) in cell phone protection when you pay your monthly bill with the card. | Annual | $600 |
Who it's for
Consider it if
- Ongoing benefits can outweigh the annual fee if used
- No annual fee to keep the card
- Points transfer to travel partners
Maybe skip it if
- Best value requires learning transfer partners
Fees & details
- Annual fee
- None
- Foreign transaction fee
- Varies
- Card network
- Varies
- Recommended credit
- Good to Excellent (690+)
- Rewards currency
- Chase Ultimate Rewards
- Last updated
- 2026-07-25
Details are estimates and may be out of date. View issuer terms. Verify all rates, fees, and offers with the issuer before applying.
How it compares
| Annual fee | None | $895 | $895 |
|---|---|---|---|
| Welcome offer | ~$300 | ~$3,000 | ~$3,000 |
| Est. 1st-year value | $1,200 | $5,160.40 | $4,684 |
| Annual benefits value | $900 | $2,160.40 | $1,684 |
| Editor rating | 4.7 / 5 | 5.0 / 5 | 5.0 / 5 |
| Points earning structure | 1x points on all purchases |
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| Transfer partners | |||
| Lounge access | |||
| No foreign txn fee | |||
| Recommended credit | Good to Excellent (690+) | Good to Excellent (690+) | Good to Excellent (690+) |
