Chase Freedom Flex cashback rate, cap and annual fee
Chase Freedom Flex pays 5% at quarterly categories you activate, and 5 other rates.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
Chase · United States · catalogue v103
Read from Chase's own published terms on 15 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| quarterly categories you activateeverything else | 5.00% | —5% on the quarter's rotating categories, on up to $1,500 of combined purchases each quarter, only in quarters you activate; 1% otherwise. The categori |
| booked through Chase Traveltravel | 5.00% | —5% on travel purchased through Chase Travel. Booked anywhere else, travel earns 1%. |
| dining | 3.00% | —3% at restaurants, including takeout and eligible delivery. |
| pharmacy | 3.00% | —3% at drugstores. |
| Lyft, in the Lyft apptravel | 2.00% | —2% in total on Lyft rides and services bought in the Lyft app, through 30 Sep 2027. |
| everything else | 1.00% | —1% on all other purchases. |
Questions people ask
What cashback does the Chase Freedom Flex pay?
5% at quarterly categories you activate, and 5 other rates.
Is there a cap on the Chase Freedom Flex?
No monthly cap is published on the rates shown here.
What is the annual fee on the Chase Freedom Flex?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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