Are you on the hunt for a credit card that can handle all of your spending needs without breaking the bank? Look no further than the Chase Freedom Flex card.
This powerful cash-back credit card boasts a variety of features that make it stand out among its peers. First and foremost, the card has no annual fee, making it an affordable option for budget-conscious consumers. But despite its low cost, the card packs a serious punch when it comes to earning rewards.
One of the best things about the Chase Freedom Flex card is that the bonus categories change every three months. These categories change every three months and offer 5% cash back on up to $1,500 in combined purchases. Some of the most recent bonus categories have been gas stations, grocery stores, and certain online stores. By taking advantage of these bonus categories, you can earn up to $75 in cash back every quarter.
But the rewards don’t stop there. The Chase Freedom Flex card also gives you 5% cash back on travel bought through Chase Ultimate Rewards, which is one of the best rewards programs in the business. This is a rare feature for a cash-back credit card, and it makes the Freedom Flex card a great option for travelers who want to earn rewards on their spending.
In addition to these bonus categories, the Chase Freedom Flex card offers 3% cash back on dining at restaurants, including takeout and eligible delivery services and drugstore purchases. This is a great feature for those who frequently eat out or need to pick up prescriptions at the drugstore.
And for all other purchases, you’ll earn an unlimited 1% cash back. There’s no minimum to redeem for cash back, and your rewards won’t expire as long as your account is open.
But perhaps one of the most attractive features of the Chase Freedom Flex card is its low intro APR. You’ll enjoy a 0% intro APR for 15 months from account opening on purchases and balance transfers, followed by a variable APR of 19.24% – 27.99%. This can be a great way to save money on interest charges if you need to make a large purchase or transfer a balance from another card.
To sweeten the deal, new cardholders can earn a $200 bonus after spending $500 on purchases in the first three months from account opening. Additionally, you can receive up to $800 in cash back by earning 5% cash back on grocery store purchases (excluding those made at Target and Walmart) on up to $12,000 in first-year spending.
Overall, the Chase Freedom Flex card is an excellent choice for anyone looking for a cash-back credit card that offers a wide range of rewards without an annual fee. With its rotating bonus categories, generous rewards rates, and low intro APR, the Freedom Flex card is a top contender in the cash-back credit card market.
Why Chase Freedom Flex?
Chase Freedom Flex Credit Card: The Best Cash-Back Card
The Chase Freedom Flex credit card is a great option for those looking for a high-reward, low-cost credit card. It is widely regarded as the best cash-back credit card due to its unique features and excellent earning potential.
First, the card comes with no annual fee, which is rare for a credit card that offers such high rewards. Many cards that offer similar rewards programs charge an annual fee, so this is a significant advantage for the Chase Freedom Flex card.
The card also has an impressive earnings structure, offering 5% cash back on travel purchased through the Chase Ultimate Rewards program, 3% cash back on dining and drugstore purchases, and 1% cash back on all other purchases. This makes it a versatile card that can be used for a wide variety of expenses, from everyday purchases to travel expenses.
In addition to these fixed rewards categories, the Chase Freedom Flex card also offers rotating quarterly bonus categories in areas that are likely to be appealing to many households. These categories change each quarter and offer 5% cash back on up to $1,500 in purchases in the bonus category. For example, bonus categories in the past have included grocery stores, gas stations, and home improvement stores.
Another advantage of the Chase Freedom Flex card is its flexibility in redeeming rewards. Cardholders can redeem rewards for cash back, travel, gift cards, and more. Plus, if you have other Chase credit cards that earn Ultimate Rewards points, you can pool your points and redeem them for even greater value.
The Chase Freedom Flex card also comes with a host of additional benefits, including purchase protection, extended warranty coverage, and trip cancellation/interruption insurance. Additionally, cardholders get access to exclusive offers and discounts through the Chase Offers program.
Overall, the Chase Freedom Flex credit card is a great choice for anyone who wants a cash-back card that can be used in a variety of ways and gives high rewards without charging an annual fee. Its broad earning structure, rotating bonus categories, and flexible redemption options make it one of the best cash-back credit cards on the market.
What is Cash-Back Credit Cards?