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The Chase Freedom Flex® was already one of our favorite cashback
Improvements to the Freedom Flex
No foreign transaction fees
As we first reported back in July, you can now use your Freedom Flex abroad without paying a foreign transaction fee. This is a fantastic update, as cardholders previously paid 3% of each transaction in U.S. dollars. If you're spending a few weeks abroad, paying 3% in fees on every single transaction can quickly add up.
New Chase Points Boost
Additionally, all Chase Freedom cardmembers can access Points Boost when redeeming points on select hotel bookings through Chase Travel℠, making your
This update impacts all cards in the Freedom family, including the Chase Freedom Unlimited® and the legacy Chase Freedom®.
- Limited Time Offer! Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- New Benefit! Earn
rewards - 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
- Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- Earn 5% cash back on travel purchased through Chase Travel℠
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1% on all other purchases
Advanced notice on 5% cash-back categories
You'll also now be able to view the Freedom Flex‘s 5% cash back categories one quarter in advance. Normally, cash back categories for the following quarter are announced on the 15th of the last month of the previous quarter. For instance, Chase just announced the Q4 2026 categories on September 15, 2026. However, we can already preview Q1 2027 cash back categories.
Q1 2027 quarterly cash back categories will include top streaming services and grocery stores (excluding Walmart and Target). This is also the first time that grocery stores will be featured in consecutive quarters. That means you can earn 5% cash back on grocery store purchases from October 1, 2026, through March 31, 2027, up to the quarterly maximums.
Bottom Line
These updates might seem minor, but they are fairly revolutionary for Freedom Flex cardholders. The opportunity to earn 5% on rotating bonus categories (up to $1,500 per quarter), 5% on travel purchased through Chase, 3% on dining at restaurants and drugstore purchases and 1% on other eligible purchases — including purchases made abroad — is fantastic.
Plus, the points you earn from your spending can now be worth up to 10% more through Points Boost. That's a great combination. If you aren't already a cardholder, consider applying now to take advantage of the limited-time welcome offer.
- Limited Time Offer! Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- New Benefit! Earn rewards worldwide with no foreign transaction fees
- 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
- Earn 5% on up to $1,500 on combined purchases in bonus categories each quarter you activate
- Earn 5% cash back on travel purchased through Chase Travel℠
- Earn 3% on dining at restaurants, including takeout and eligible delivery services
- Earn 3% on drugstore purchases
- Earn 1% on all other purchases
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Freedom Flex® (Rates & Fees)
