The Freedom Flex is our #1 cash back pick and carries the Best Overall badge, largely because of how much ground it covers for no annual fee: 5% on rotating quarterly categories, 5% on travel booked through Chase, 3% on dining, 3% at drugstores, and 1% on everything else. The Q3 2026 rotation is gas stations and EV charging, public transit, and select live entertainment. The $200 bonus after only $500 of spend in the first 3 months is among the easier ones to hit, and there are 15 months of 0% intro APR on both purchases and balance transfers if you have something to pay down. Two limits matter: the 5% rate covers only $1,500 of spend per quarter and falls to 1% after that, and the card charges foreign transaction fees, so it should stay home on international trips. Cell phone protection of up to $800 per claim when you pay your bill with the card is a real extra rather than filler.
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.