Reviewed by the editorial team
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Chase Freedom Flex
Worth it only if you'll remember to activate the 5% rotating categories each quarter; miss the activation and you've left the best rate on the table. The cap is $1,500 in bonus spend per quarter, so max 5% earns you $75 a quarter, or $300 a year, plus standing dining and drugstore bonuses. If quarterly tracking annoys you, the Citi Custom Cash auto-applies 5% to your top category instead. Confirm the current calendar on chase.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓5% categories that rotate each quarter
- ✓Protection for your cell phone
- ✓Works with a Sapphire card for point transfers
👍 Pros
- + No annual fee
- + Earns a high 5% on rotating categories
- + Includes cell phone insurance
👎 Cons
- – You have to turn on the categories every quarter
- – 5% rate stops after $1,500 spent per quarter
Can you get it?
- ▸A good credit score
- ▸Counts against the Chase 5/24 rule
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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