Chase Freedom Flex

Chase · Personal card · Checked against Chase's terms Oct 26, 2026

The Chase Freedom Flex earns 5% cash back on categories that rotate each quarter; 3% cash back at restaurants and at drugstores and pharmacies; and 1% cash back on everything else. No annual fee.

Add it to your wallet

Where it's the best card

Instacart (5%) · Chipotle (5%) · Sweetgreen (5%) · The Cheesecake Factory (5%) · Starbucks (5%) · In-N-Out Burger (5%) · McDonald's (5%) · Taco Bell (5%) · Chick-fil-A (5%) · DoorDash (5%) · Uber Eats (5%) · American Red Cross (5%) · Amazon Fresh (5%) · restaurants (5%) · fast food (5%) · grocery (5%) · online grocery and delivery (5%) · CVS Pharmacy (3%) · Walgreens (3%) · drugstores and pharmacies (3%)

Where it's in the top 3

Trader Joe's (5%) · Ralphs (5%) · Vons (5%) · Safeway (5%) · Kroger (5%) · Albertsons (5%) · Sprouts Farmers Market (5%) · Aldi (5%) · Stater Bros. Markets (5%) · Pavilions (5%) · Gelson's (5%) · Bristol Farms (5%)

Earning rates

5
Chase Travel 5% cash back
“Earn 5% on travel purchased through Chase Travel” creditcards.chase.com
5
Grocery 5% cash back
Grocery stores excluding Walmart and Target. Chase's grocery category also excludes warehouse clubs, discount stores and gas at grocery stores; delivery services count only if they code as a grocery store.
- Not at Walmart or Target
- Activate it with Chase first
- Oct 1, 2026 to Dec 31, 2026
- Up to $1,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“CURRENT QUARTER Grocery Stores” creditcards.chase.com
5
Restaurants 5% cash back
Dining already earns 3%, so this adds 2% until the $1,500 quarterly cap.
- Activate it with Chase first
- Oct 1, 2026 to Dec 31, 2026
- Up to $1,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“Dining American Red Cross” creditcards.chase.com
5
American Red Cross 5% cash back
- Activate it with Chase first
- Oct 1, 2026 to Dec 31, 2026
- Up to $1,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“American Red Cross” creditcards.chase.com
5
Grocery 5% cash back
Grocery stores excluding Walmart and Target. Activation opens December 15, 2026.
- Not at Walmart or Target
- Activate it with Chase first
- Jan 1, 2027 to Mar 31, 2027
- Up to $1,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“NEXT QUARTER Grocery Stores” creditcards.chase.com
5
Streaming services 5% cash back
Only the "top streaming services" Chase lists at chase.com/RewardsCategoryFAQs. Activation opens December 15, 2026.
- Activate it with Chase first
- Jan 1, 2027 to Mar 31, 2027
- Up to $1,500 of spending a quarter (shared with its other bonus categories on this cap), then 1% cash back
“Top Streaming Services” creditcards.chase.com
3
Restaurants 3% cash back
Includes takeout and eligible delivery services.
“Earn 3% on dining at restaurants, including takeout and eligible delivery services” creditcards.chase.com
3
Drugstores and pharmacies 3% cash back
“Earn 3% on drugstore purchases” creditcards.chase.com
2
Lyft 2% cash back
Limited-time offer, for Lyft products bought in the Lyft app.
- Through Sep 30, 2027
“Earn 2% total cash back on Lyft rides with your Freedom Flex card through September 30, 2027” creditcards.chase.com
1
Everything else 1% cash back
“Earn 1% on all other purchases” creditcards.chase.com

Public welcome offer

$250 after $500 in purchases in 3 months, per the issuer's page. Offers vary by person and by how you apply. Limited-time: the page says "Offer ending soon" (no end date given) and shows the usual $200 struck through. Chase: "available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months."

Sources

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Chase's terms before you apply.