Chase Freedom Flex Reviews

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Still uses it in grocery and dining quarters and as its gas card one quarter a year.

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Switched from the OG Freedom to the Flex; 7% dining plus 5% grocery makes it their top card.

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They and their spouse earn a lot of points with the Freedom Flex when the quarterly 5x category is active, pairing it with the Freedom Unlimited for everyday spending.

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Easiest way to earn Ultimate Rewards outside of sign-up bonuses.

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A college student with this card says it offers the best cash back and did not demand a large spending amount for a bonus. They got it for the Chase trifecta but are now unsure that strategy suits them.

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They hold the Freedom Flex and find its rotating categories usually land on something useful like groceries or gas, and stacked an in-branch bonus for a year to reach nine times on those quarters.

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Uses the Chase Freedom Flex for groceries and is enjoying a stacked first-year promo multiplier on top of the category bonus, though they note one quarter where the card just sat in their wallet.

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Moved an idle Freedom Unlimited to the Flex for the 5% grocery quarter.

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Dining quarter stacked with Paze for 17x points at Dunkin.

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Top workhorse card for almost two years with no fee, no foreign fee, 3x categories and rotating 5x.

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Nice starter card; the quarterly 5% categories add a useful extra percent for travel points.

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Opened on a sign-up promotion with 10x grocery for a year.

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Earned 9% on gas-station gift cards by stacking the welcome offer and the quarterly category.

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Prefers the Flex over the OG Freedom for 3x pharmacy and dining plus phone protection.

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Maxed the 10x grocery first year and the 5x categories are still useful.

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Main earner of Ultimate Rewards points used for travel.

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Holds both and finds the Flex better overall thanks to the 3% dining and drugstores.

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Paying federal taxes counted toward the bonus tax prep 5% category.

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Likes the Flex for 3% restaurants, the rotating category and the free phone insurance.

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Uses the Flex more than the Freedom Unlimited.

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Likes the Flex paired with the Sapphire Preferred and Venture X.

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Product changed the Freedom Unlimited to the Flex and says it is worth it.

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Great for the quarterly categories, 7% on dining in the current quarter.

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Converted to get the stacked 7% on dining.

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Product changed two OG Freedoms for 7% dining.

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Chase offers like 10% Kroger and restaurants stack on top of the categories.

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Paid for dinner via PayPal on the Flex and received the stacked 7%.

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Confirms earning 7% on dining by stacking.

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The Q4 PayPal 5% alone justifies keeping the card.

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Likes the rotating categories on the card.

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Used the gas quarter to buy Amazon and Airbnb gift cards at 5% for big purchases without trouble.

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Prefers the Freedom over Discover because Q4 PayPal covers most online holiday shopping.

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Tax payment posted with the Q1 tax and insurance bonus.

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Paying an insurance bill via PayPal earned the 5x.

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Their Chase Freedom Flex rotating 5% categories stacked with signup offers for up to 9x on some spending.

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The Flex earns them more points than the Unlimited every year.

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Prefers the Flex over the OG Freedom for phone insurance, 3% pharmacy and dining.

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Linked the Flex to PayPal and pays at Safeway self-checkout for the PayPal bonus.

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The Q4 PayPal 5% stacked with the 10% grocery promo for 14% at a grocery store.

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A gas gift card purchase earned 9x during stacked gas bonuses.

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Earned 88K points in a year with the 5x gas and grocery promo.

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Got the in-branch offer of $200 plus 5% on gas and groceries and loves the card right now.

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PayPal gift-card purchases let them and their spouse max the bonus on all four cards.

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A phone purchase paid via PayPal during the PayPal quarter earned 5,000 UR points.

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Sees crazy value for a no-fee card and expects it to be their most used card.

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Happy with the 5% quarterly cash back.

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The elevated sign-up bonus has been incredible.

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Totally worth it for the 5% categories.

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Used up the $1,500 cap on 7% restaurant spend.

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Earning 9% on gas, 5% on groceries and 3% on dining at once with the in-branch offer.

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Earned 9x on groceries and gas and 7x on dining via stacking.

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Quarterly bonuses work well for them.

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The PayPal quarter was the most flexible and valuable offer for them this year.

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Maxes both Freedom cards each PayPal quarter, paying a six-month car insurance premium through PayPal.

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Enjoys the Flex for the rotating 5% categories and 3% at pharmacies.

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Hit the spend quickly and got the bonus on the first statement.