The Freedom Flex tops our Best Cash Back list because it packs a lot into a card with no annual fee: 5% back on rotating quarterly categories on up to $1,500 in spend, 5% on travel booked through the Chase portal, and 3% on both dining and drugstores year-round. The $200 bonus after $500 in spend in three months is one of the easier ones to clear, and a 15-month 0% intro APR on purchases and balance transfers gives the card a second use. The rotating categories are the work, though: they change every quarter, the Q3 2026 lineup covers gas stations and EV charging, public transit, and select live entertainment, and once you clear the $1,500 quarterly cap the rate drops to 1%. Everything outside a bonus category earns 1%, so this is a card to pair with a flat-rate earner rather than use alone. It also charges foreign transaction fees, which keeps it home when you travel.
Earn rates & credits
| Category | Rate |
|---|---|
Rotating categories Q3 2026: gas stations and EV charging, public transit, select live entertainment, and donations to United Way on first $1,500/qtr, then 1% Q3 2026: Gas, EV Charging, Transit, Entertainment | 5% |
Travel (via Portal) | 5% |
Dining | 3% |
Drugstores | 3% |
Everything Else | 1% |
| Benefit | Value |
|---|---|
Cell Phone Protection Up to $800 per claim and $1,000 per 12-month period in protection against covered theft or damage for cell phones listed on your monthly cell phone bill when paid with this card, maximum 2 claims per 12 months with $50 deductible per claim. | $1,000 |
Card details
Regular APR | 18.24%–27.74% variable |
Intro APR on purchases | 0% for 15 months |
Intro APR on balance transfers | 0% for 15 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Based on 2 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.