Chase Freedom Flex review
A strong pick if you spend a lot on dining, groceries and drugstores, where it's among the top three of the 106 cards we track.
- Updated October 16, 2026
- $0 annual fee
- Earns Chase Ultimate Rewards
- 106 cards compared
Who it suits
Chase Freedom Flex
- #1 of 106 for dining: $10.50 back on $100 (10.5%). Part of it is a limited-time bonus. The bonus rate covers up to $1,500 of spend a quarter.
- #1 of 106 for groceries: $7.50 back on $100 (7.5%). Part of it is a limited-time bonus. The bonus rate covers up to $1,500 of spend a quarter.
- #1 of 106 for drugstores: $4.50 back on $100 (4.5%).
- At Lyft: $2.00 back on $100 (2%).
- No annual fee, so it earns from the first dollar.
Rates change, so verify them with the issuer before you apply.
See if it beats your cards on diningWhere it earns the most
What it earns on a $100 purchase in each category, and where that places it among the 106 cards we track.
| Category | On $100 | Rank |
|---|---|---|
| Dining | $10.50 10.5% | #1 of 106 |
| Groceries | $7.50 7.5% | #1 of 106 |
| Gas | $1.50 1.5% | #64 of 106 |
| Travel | $1.50 1.5% | #41 of 106 |
| Airfare | $1.50 1.5% | #48 of 106 |
| Hotels | $1.50 1.5% | #47 of 106 |
| Transit | $1.50 1.5% | #51 of 106 |
| Streaming | $1.50 1.5% | #39 of 106 |
| Drugstores | $4.50 4.5% | #1 of 106 |
| Online shopping | $1.50 1.5% | #30 of 106 |
| Wholesale clubs | $1.50 1.5% | #28 of 106 |
| Everything else | $1.50 1.5% | #27 of 106 |