Chase
Freedom Flex
What it is
The Freedom Flex is a Chase card earning Ultimate Rewards points. It's mainly a sign-up-bonus play: earn the bonus, then keep or close. The no-fee workhorse of the Chase Freedom line -- rotating 5% categories you activate each quarter, with the occasional limited-time elevated-category promo on top, plus cell phone protection when you pay your phone bill with it.
Offer history
Not enough offer history yet.
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
PUBLIC ATH | 20,000$1k · 90d | $300 | $300 | 60% | Apr ’26 |
What you get
No recurring benefits — this card’s value is its welcome bonus, not ongoing perks.
The receipt
default values| SUB value | +$300 |
| 20,000 UR × 1.50¢/pt | |
| Ongoing benefits (yr 1) | +$0 |
| Annual fee | $0 |
| Year 1 | $300 |
| Return on $1k MSR | 60% |
Your score sharpens once you sign in — we add eligibility, spend-fit, and 5/24.
Related cards
Freedom Flex scores 56 here on default point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →