Chase Freedom Flex® Credit Card: annual fee, APR and rewards

Fact sheet for the Chase Freedom Flex® Credit Card, issued by Chase, with no annual fee, an intro APR offer and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Chase
Network	Mastercard
Annual fee	$0
Rewards	Cashback: Earn 5% cash back on up to $1,500 in rotating categories each quarter you activate. Plus, earn 5% back on travel purchased through Chase Travel, 3% on dining including takeout and drugstores, and 1% on all other purchases
Purchase APR	18.49% to 27.99% variable APR
Intro APR	0% intro APR for 15 months from account opening on purchases and balance transfers
Balance transfer fee	Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater
Sign-up bonus	Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 26.74%, with a range of 18.24% to 27.74%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.