Chase Freedom Flex
5% rotating quarterly categories
4.6
Editor rating · out of 5
Best for: Cash-back maximizers willing to track rotating categories
Best paired with Freedom Unlimited and a Sapphire — the trifecta covers nearly every spend category at 3–5%.
Pros and cons
Pros
- +5x rotating categories
- +$200 bonus on just $500 spend
- +Cell phone protection
Cons
- −Must activate quarterly
- −5% capped at $1,500/qtr
Key details
Annual fee
$0
Bonus
5% rotating quarterly
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